Short answer : The picture in ADI appnote contradicts the text in ADI appnote, so it basically means all sources agree. The drawing you posted shows a full-duplex multi-drop RS-485 bus where multiple transmitters are connected along the same bus - which is more than enough to determine that it's not a RS-422 bus and so at least the upper bus must have dual termination. And for the sake of symmetry, or to allow the placement of the host controller anywhere on the bus instead of just at the end of it, the lower bus should (or must) also have dual termination.
Longer answer :
The difference is whether the whole network is built up to RS-422 or RS-485 standards, it's not just about chips and terminations but also the placement of the devices.
The RS-422 specs define that there must only be one single transmitter and up to ten receivers on a bus, and the driver must only be able to drive a single termination which at the end of the bus. This also means that the transmitter must also be at the beginning of the bus to prevent reflections. And usually the transmitter is always enabled. So the electrical specs do not allow terminating the bus at both ends as it will violate the specs.
The RS-485 specs define that a transmitter must be able to drive a bus with termination at both ends. This allows for placing the transmitter anywhere on the bus, and even multiple transmitters if only one is enabled at one given time. But as that is half-duplex, sometimes there are two buses to make it a full duplex configuration, just like on RS-422, but it allows for many devices on a full-duplex bus, instead of just two devices on a full-duplex RS-422 bus.
If RS-485 devices are used like RS-422 devices, i.e. transmitter always at one end of the bus and always enabled, then the second termination is not absolutely necessary, as it is not on RS-422 bus either. It's just that since RS-485 drivers can drive a doubly terminated bus, it makes no harm there, but double termination makes it incompatible with RS-422 chips. But with RS-485, having the double termination allows to place the transmitter anywhere on the bus, not just at the end. Double termination consumes more power obviously, but with RS-485, that can easily be handle by for example turning the driver off when not transmitting.
So the difference is which standard is used, and that limits how the buses are terminated, and how the devices can be connected to it.