My Father once told me that if you want to find the easiest way to do a job, give it to a lazy person. They will think about it and figure out the simplest way to do it. With that in mind.....
Take a flat head screwdriver about 8 inches long, use a dremel tool with a cutting wheel (.040 thick) and cut a small notch in the blade about 1/8 inch deep. This will give you a nice grove to use to push against the headlight retaining wire. The cut prevents it from slipping off. Once you have tension on it, it is easy to push it a little further in and to the side. It comes right off the post. Once you have your new bulb in position, just take the screwdriver and push the wire in and slide it behind the post to lock the wire in.