To answer the question, I regret to report that I exchanged my first headset, then returned my second headset. Both support and Discord tried to help, and I got an offer to send in my device for investigation. Doing so would have pushed the device past the return window, so I returned it anyway. If I had assurances that the bloom and smudges were not a systemic issue, I'd have been glad to keep the XR Elite.
If HTC (or even a majority of other users) assured me that the bloom I see is rare and I just got bad luck on headsets, I would have exchanged it and kept the XR Elite. However, I decided I could not keep rolling the dice on a headset over $1,000. All headsets have flaws. Index has bad godrays (and relatively low resolution for 2023) but has great comfort, sound, tracking, and controllers. Quest is front-heavy and requires a lot of third-party mods (head strap or battery strap, headphones, facial interface replacement) to be usable, and even then gets heavy. Still, it has good optics and a whole lot of software and community support. (Facebook still makes it a dealbreaker.) The HP Reverb G2 has amazing visuals and sound, but on launch had a terrible FOV-restricting facial interface (fixed in a revision), and it's stuck with terrible WMR tracking and controllers. I've used all three, kept the Index for years until it died, and let the Quest die in a closet after the Oculus/Facebook account merge. The Reverb G2 got returned.
It's all a matter of WHICH flaws can be overlooked and which are deal-breaking. The XR Elite has amazing comfort, good resolution, good enough sound, good weight+balance, a great community here and in Discord, and the potential for the best PC streaming integration of a wireless headset once the software catches up. However, the bloom on bright text over dark backgrounds and vice versa (something very common in my use of VR) is a deal breaker. Since I could not get any verification that any replacement device would have that fixed, I can only assume that HTC made a compromise in either materials or design that permitted that level of bloom. It's still a great headset. It seems to have a compromise in design, materials, or manufacturing that presented me with a deal-breaking flaw in two different headsets.
I don't expect a flawless headset. I just expect one to be exciting enough to justify the $1099+tax/shipping. For this price, the optics should have been crystal clear even if they made sacrifices in other areas. Aftermarket solutions could partially overcome many of Quest 2's sacrifices (facial interface, balance, comfort). The Reverb G2's facial interface and other flaws (except the controllers) were overcome with a hardware revision and software updates. However, this issue with XR Elite's optics could never be fixed by me.
I'll still stay somewhat active in this and in the Discord community as I watch to see if this is addressed or if a hardware revision comes out.
Here's a video of the second headset, showing the store page in-headset and not a room over PC streaming: