It turns out that it wasn't the bend,
per se, that caused my problem but rather the fact that it was right up against the hard plastic edge of the housing. When the bulb is installed correctly, the rubber boot acts as a cushion between the housing and the wiring harness. In this "Don't-do-it-this-way" photo you can see where the wiring was in contact with that hard edge.
And in the "This-is-the-RIGHT-way" photo you see the pigtail at the bottom of the unit, cushioned by the rubber boot. That also positions the blade with the emitters in the correct orientation. (More on that, below.)
I don't have a front-on photo of the bulb in place, but the "blade" that has the emitters should be vertical, with the little "cup" shield around the low beam element oriented concave-up (it is faced concave-left in the photo below). This will happen naturally when you put the thing in with the wiring pigtail coming off the bottom of the fan assembly. And that flat spot I mentioned in my synopsis above - the "orientation index"- is what you see at the bottom of the collar. You can see where I removed the lower tabs and filed the stumps smooth, too.