I would love additional input on the following... and thanks again to CharlieS for making me think about this. Never can be too safe with electrical.
I went to double check my high beam fuse tap and found it was "wrong" as well. This really got me thinking (read: quite worried). So I did some testing and some internet "research". There isn't a wrong way to install these that leaves the additional circuit unprotected because simply put the link is on the opposite side of the fuse to the pig tail wire. But the behavior is definitely different based on installed direction. Here is what appears to be going on from what I can tell and why the additional circuit is always protected...
What happens is that when the pig tail is on the same side as the input + if the lower fuse blows the additional circuit will just stop working. I tested this by pulling the lower fuse (additional circuit stops working) and by pulling the additional circuit fuse and checking which side the input + was on. It is opposite of the pig tail wire even when the tap is installed incorrectly.
When installed correctly both circuits are independent. The lower can blow and the additional circuit will keep functioning. In series versus in parallel.
There are multiple videos of people doing more involved testing to prove this than I did. I simply wanted to double check and then come up with a circuit diagram for the tap itself that matched my observations. If it was simple, I would believe what I observed.
(bad) drawing. + is the side from the battery. Hot when the fuse is pulled. Hi is the high beam load side. The dashes are the stock fuse block terminals. The boxes are the fuse terminals in the tap. Squiggles are the fuses. Pig Tail is the aux wire coming off of the tap. The line between the top and bottom boxes is the link that flows current to the upper fuse and pig tail wire. Note that the two are just reserved pictures of each other. "Wrong" has the link between upper and lower after the lower fuse. If that lower fuse blows no current gets to the upper fuse. "Right" has the link before both fuses. Either can blow without impacting the other. See below for why I actually prefer "wrong".
Another argument that there is a "wrong" way is that the load of the additional circuit runs through the lower fuse. But regardless of the direction of the tap it puts the same load on the stock wiring, so I'd rather protect the stock wiring with all of the load through the lower fuse and just have the upper (additional circuit) fuse protect the additional circuit's wiring. That way the stock wiring is always protected by the stock size fuse no matter how much load the additional circuit adds (never bump up the lower fuse!).