if a load is connected whilst the power supply is turned on the fuse blows... if the crowbar circuit is disconnected this does not happen
There are two possibilities - both related to charging time for the capacitors. These need time to settle when a circuit is powered on.
1) The regulator is letting through a brief spike of high voltage when you first turn it on, and the crowbar is actually doing its job. The spike is being decoupled (filtered out) in the radio be the DC input choke + capacitor combo and therefore the radio doesn't get damaged. A different radio with lesser DC filtering might not be so lucky.
2) The crowbar itself (specifically the 0.1uF cap) might need a few milliseconds to settle, and is falsely triggering.
and have noted that some crowbar circuits have an extra capacitor across A-K on the SCR to reduce false triggering
Yes, I've seen that, mainly on supplies that are powering inductive loads such as solenoids. These loads can generate a "back emf" voltage (google it, including the quote marks, if you don't know what it means) that can cause false crowbar triggering.
but which is best? or maybe I'll just add both
Experiment by all means, but it probably won't help you.
It's generally considered bad to connect a load before a supply has settled down. PC power supplies, for example, have a "power good" wire that changes state only when the supply has settled. Until this line changes state, the PC will NOT attempt to boot up. All modern electronics works this way - you'll notice that your mobile phone, DVD player, computer monitor, etc have a delay when they are first turned on to when they are fully functional.
A start up delay is easily implemented. You'll need a heavy duty relay (those 1" cube car headlight types are great) , a 10K resistor, a 1K resistor, a 10 volt (or higher) 4700uF cap, a 1A NPN darlington like a BD681 (lots to choose from), and a diode like a 1N4004.
The normally-open relay contacts go in series with the output terminal of the supply - this must be the LAST thing before it connects to the load.
The 25V goes to the 10K, then a 1K, then the base of the darlington. Collector to -ve of coil, and +ve output terminal goes to the other side of the coil.
Emitter of darlington goes to ground.
Diode connects to the darlington - anode to emitter, cathode (the marked end) to collector.
The capacitor connects between ground and the 10K / 1K resistor join point.
What does this do? The cap delays the buildup of voltage at the 1K and therefore prevents the relay from turning on (and connecting the load) until the supply has had time to settle.
The values shown should delay it for a second or so, which should be plenty. To change the time, alter the 10K resistor or the capacitor values.
If you buy a modern supply, you'll find this already done for you (although with MOSFETs instead of relays).
Cheers