Gene, I most commonly use the system the system you illustrated above, with very few tangles. Two points though: 1. While this system works quite well when the connection point of the leader and tippet (to the end fly) is a Blood knot - not so well when its a double or triple surgeons. 2. Just like you allude to below when talking about attaching the leader for the upper fly to to the main leader (as opposed to just using a tag end), its a good idea to use stiffer material for the tippet to the upper fly to avoid tangling with the main leader. I just always utilize the tag end from the upper segment - which is slightly thicker and stiffer than the tippet to the end fly.