Now, I honestly believe that there are no stupid questions. If you don't know something, by all means ask. There's no shame in not knowing - but there is in not learning. That's why I've never batted an eye to answer on the few occasions I've been asked about the tip top wraps.
The question is, why are the tip top wraps different on the two tip sections of a bamboo fly rod? The answer is, of course, so we can see at a glance which tip section is which. You'll know which tip you're going to get when you pull it out of the rod bag.
It's traditional that bamboo rods come with two tips. This hearkens back to the days when anglers would have a few spare tip sections, like in the days of wood rods. If a tip section broke, the rod could still be used. So when you have a rod with two identical tip sections, having the tip wraps different is a convenient way to tell which section is which. Also, I'm a firm believer in alternating the use of your tip sections each time you go fishing. This allows the rod to wear evenly with age. These different tip wraps help you keep track of which section you used last.
Different rod makers have different tip wraps to accomplish this. I have always done two things in my tip wraps: one, I make one wrap shorter than the wrap on the other tip section; & two, I give the shorter tip wrap some black tipping (no wonder English is a hard language to learn). It's just easier if I show you, so take a look at this photo below: