Yeah, there seems to be two versions of those headrests:
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VS.
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I have the latter version and I only need to push it down to the lowest position in order to be able to fold the rear seats.
I too have the second/bottom photo headrests on the rear seats and can't say have noticed this problem... I do have a habit of lowering the headrests when there are no passengers in the back, I just don't like the headrests obscuring the rear window!