Cazzo (Mark) - welcome to the forum. Please remember to take all the above comments as the light hearted jibing they were intended as! We're a friendly bunch around here, but we are predominantly British, so mickey taking is never far away when the opportunity presents itself.
I remember hearing ages ago that graphics cards were "upside down" simply for historic reasons. When PCI-E replaced AGP, it was easier for graphics card and motherboard manufacturers to keep the fan/shroud/electronics on the same side of the card to avoid issues with people's existing expansion hardware - such as PCI sound cards, etc.
AGP graphics cards were built that way round because PCI graphics cards had been that way round - again, why rock the boat and end up with potential issues when you could just build the cards the same way round and avoid any.
As to why PCI cards were built that way round, with the raised circuitry underneath the circuit board, I have no idea. I guess they just chose a design and made it the standard - they certainly wouldn't have imagined 20 years later that it would have been inconvenient for our monster graphics cards inside our cases with the plastic windows so we can see the components!