Let $\pi:E\to Y$ be a vector bundle. Write $\mathrm{T}(E/Y)\subset \mathrm TE$ for its vertical bundle. Write $\delta:\mathrm{T}(E/Y)\cong \pi^\ast E:\ell$ for the vector bundle isomorphisms over $E$ given fiberwise by the canonical isomorphisms between a vector space and its tangent space at a point.
Trying to carry over the product rule for differentiable maps between vector spaces, I have arrived at the following "formula", where $f\in C^\infty_Y$ is a real function, $s$ is a local section of $\pi$, and $+_\mathrm{T},\cdot_\mathrm{T}$ are the addition and scalar multiplication of the secondary vector bundle structure $\mathrm TE\to \mathrm TY$. $$\mathrm T_y(f\cdot s)(\dot\beta)\overset{?}{=}(f\circ \beta)^\prime(0)\cdot \overbrace{\ell(sy,sy)}^{\in \mathrm T_{sy}\pi^{-1}(y)}\overset{?}{+_\mathrm{T}}\overbrace{f(y)\cdot_{\mathrm T}\mathrm T_ys(\dot\beta)}^{\in \mathrm T_{f(y)s(y)}E}$$
Question 1. Is this formula correct? If so, the RHS lies in $\mathrm T_{(1+f(y))s(y)}E$, which looks a bit strange...
Question 2. For differentiable maps between vector spaces, the product rule is a consequence of the chain rule along with the additional structures of sums and powers. Is there a coordinate free way of arriving at this formula?
Added. I think the correct formula is $$\mathrm T_y(f\cdot s)(\dot\beta)\overset{?}{=}(f\circ \beta)^\prime(0)\cdot \overbrace{\ell(fysy,sy)}^{\in \mathrm T_{fysy}\pi^{-1}(y)}+\overbrace{f(y)\cdot_{\mathrm T}\mathrm T_ys(\dot\beta)}^{\in \mathrm T_{fysy}E},$$ but I'm not sure how to prove it.