It would seem to me that if you needed a dummy load for a power
supply (and couldn't scrape up a bunch of power resistors), it would
make the most sense to use the highest voltage incandescent lamps
that you have at your disposal.
The reason is quite simple--tungsten-filament lamps (not that I
expect anyone to have any carbon-filament ones) have a very steep
resistance-temperature curve (higher "hot" resistance).
Instead of a automotive lamp, use a regular 120V (or 220V)
incandescent(s). The ratio of hot-to-cold resistance will be much
reduced (on a lamp operated at the rated voltage, hot-to-cold
resistance is usually about 15 to 1).
Or better yet, use a nichrome heating element from an old hair dryer
or aquarium heater. Nicrhome V wire has only a 6% increase in
resistance between 68F and 1600F.
Just saying...
--Chuck