But in fact... as you have written... trip fuel is the fuel burn plus all of the reserves and holding?
Not at all - appears I may have confused the issue somewhere for you. Trip fuel (flight fuel, planned burn - whatever term you might prefer) is what you expect to burn, other things being equal. Reserves and other stuff is extra and nothing to do with trip fuel.
Let me give you a fuel planning motor car analogy - I drive a Nissan Xtrail which runs about 10 km/l typically - I also drive a 13 tonne truck for fun with quite different fuel consumption but let's figure it out on the little machine. Say I am intending to run from Sale in Victoria up to Canberra in the ACT. Distance via the Monaro is around 520 km, takes around 6 hours and, to a rough approximation, should burn around 52 litres. Does this mean that I could drain my tank, put in 52 litres and comfortably get to Canberra ? Probably not, once I have a think about things, especially the following points. If the trip were on good, level roads, without any traffic disruption, I would probably burn very, very close to 52 litres. However, running this road it's winding, goes up quite a climb from Cann River to the high country, and has a lot of heavy trucks to contend with. Probably, I will burn something in excess of 52 litres. However, say I don't have any useful data to figure out what the burn might likely be. So, I might start off the calculation by figuring a best guess as to a routine, anticipated burn off, about, 52 litres. This would be my (planned, or anticipated) trip fuel.
However, unless I am feeling pretty stupid today, I figure that I might need a bit more to allow for things which could increase the burn for this particular trip, so I reckon that I might add, say, 10% extra for those matters. That is I am going to add 5.2 litres as a reserve because I figure that might be reasonable for the run up to Canberra. Now, were I to be going somewhere else, I might figure a bit higher or lower for a suitable particular trip reserve. Overall, my historical driving in this car suggests that around 10 % extra will keep me safe from running out of fuel. due to routine route specific problems. I might call this reserve my variable reserve because I may or may not use some of it and I may use different proportions on different trips, depending on the circumstances. Either way, I figure that it's a good strategy to carry that sort of reserve pad to give me a good probability of not running out of fuel.
Now, there may be some other problems on the trip which I can't reasonably foresee - things like roadworks along the way where I might have any number of spots where I have to stop and will be idling for, say, 5-10 minutes while the folks on the road are doing their thing. It might be a good idea if I carry a bit extra fuel to allow for these unexpected things. I might call that extra fuel a traffic holding reserve. Looking at my history doing this trip over the past 20 years, I might allow, say, 30 minutes at idling fuel flow. Let's say that a figure of around 1-2 litres might do the trick.
There might be other problems as well. At the top of the run up the Cann Valley, we need to go over a river at Bombala. With a reasonable bit of rain, that floods and the highway is closed, kaput !. Say it's been raining and there is more rain forecast. I might like to carry some extra fuel to allow a significant diversion around the village and I might call this a weather holding reserve allowance. Now, this is a bit different to weather holding for an aircraft but the principle is similar in that, if you don't have it and (say for the car, there is no fuel available today at Bombala) you just might end up being embarrassed. Better to carry some extra fuel, just in case of what might be a reasonably foreseeable event so that I know I can get to somewhere I can fill up the tanks (believe me, I have been caught out at Bombala super big time coming south and had to spend the whole day heading back up through Canberra to the Hume, down to Albury way and then down to Bairnsdale - made a relatively easy quick drive an absolute marathon). So I might, for this situation at Bombala, allow, say, an extra 10 litres (around 100 km) for "weather holding".
Now, what other things can go wrong ? Maybe I have the traffic problems and the hill climb increased fuel burn problems and then get to Canberra and, being a bit tired today, take a wrong turn and head off towards Goulburn. Eventually, I realise my mistake, turn around, and head back down to Canberra but, in so doing, I am burning a fair bit of additional fuel - if I didn't have anything extra up my sleeve to allow for this sort of problem, then I am going to be bone dry and on the side of the road out in the paddocks north of Canberra and in a world of hurt. So I figure that it is a good idea always to have some extra fuel in the tank just in case something untoward crops up at the destination - I'd probably add, say, 45 minutes to an hour (75-100 km) to cover this sort of eventuality and I might call that my fixed reserve. I would be very careful to make sure that I don't inadvertently use any of that along the way up to Canberra as I have included it to cover me for last minute problems when I get to Canberra - no point having allowed for it at Sale and then burn it off on the way up the Monaro.
Sound a bit like fuel planning for your aeroplane ? Of course it is - all same same, just a different vehicle.
Let me have a looksee at the problems and see what I can come up with. If my answers are different to the book's I might need you to photograph the questions on your mobile and post the actual details so we can see what is what. Back a bit later on.