field collection

Programatically saving a field collection containing taxonomy terms

There is plenty of information on how to save a field collection (D7) in code, but nothing about collections containing taxonomy terms.  It requires a slightly different array structure (including 2 'value' fields instead of 1).
It seems silly that it needs the $term object AND the $term->tid both passed to it since tid is in the $term object but aren't we all fond of the silly?