Branden07,
I believe a full retrofit would be referring to bulbs that have both hi/low beam options. If you notice on your standard bulbs for the FZ6 one bulb is the low beam, and always on, the other is a high beam and only comes on when you flip high beam on. The High beam side doesn't flip from low to high, it's only high. So if I'm not completely mistaken (it's possible!) a full retrofit would give both bulbs HID's with hi/low--also known as Bi-xenon's from what I've learned on the forums.
Granted I haven't done this yet because money runs the world.... good luck!
Mud