My unpopular (on this forum) engineer's take: We don't know exactly why it was slightly oversized. As I used to tell contractors - the NEC is not a design guide. It's not outrageously oversized and I doubt it was a typo (maybe a copy/paste error). It's very common to size xfmr secondary feeders at 125% of the transformer rating. Perhaps there was some thought that the panel MB size might be increased at some point. If this was on a set of plans that was bid to, it doesn't really matter what the reason is. It meets the NEC, so that is what should be installed. I would see nothing wrong with submitting an RFI asking for confirmation that this size is what was intended, but assuming that everything should be built to bare minimum NEC sizing is not a good way to look at things. No matter what the design is, someone can always find a way to do it more cheaply.