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Electrician big leagues
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As your probably aware using an OCPD rated higher than the ampacity of the primary conductors ampacity which feed the transformer may be allowed when sizing to the next standard size breaker when the conductors ampacity involves fractions.This isn't always true though. 240.4(B) often allows the OCPD to exceed the conductor ratings in table 350.16 (2020 NEC), though not by a lot.
Motor circuits allow for inrush without requiring the conductors to be sized for it.
I understand, I am asking why the conductors need to match the OCPD (sized for inrush) instead of the FLA, when, in the example I provided, there is primary and secondary protection to ensure that an overload condition won't jeopardize the conductors. An overload condition can only occur based on current flow in the secondary circuit. As long as that is limited by an OCPD on the secondary, the transformer and all conductors should be adequately protected.
An extreme event like a short circuit or ground fault should be arrested by one of the circuit protective devices depending on the location of the fault.
I think I posted that I had decided to use a primary OCPD with adjustable settings so I could keep the breaker closer to the FLA of the transformer.
It is wasteful to size conductors for something that happens rarely and lasts for .1 seconds.
My opinion is that the OCPD contemplated in article 450 are to protect the transformer, not the conductors, and that it is the responsibility of the circuit designer to make sure the conductors have adequate protection from an overload, with the direction given in article 240.21(B) and (C).
In the 2017 Handbook, exhibit 240.9 shows a 110A OCPD, feeding a set of conductors rated at 50A on the primary side. The secondary side of this transformer has protection not exceeding 125% of the transformer current rating, so the primary transformer protection is permitted to be no more than 250%. The 110A fuse shown is 244% of the FLA of 45A.
This would seem to indicate that the primary conductors can have an ampacity lower than the primary protection.
Motors allow smaller conductors with oversized ampere breakers for the conductors rated ampacity to deal with inrush current and since separate overload protection is required to protect the wire to its ampacity under an extended overload heat condition.
However, I am not aware that transformers have separate overload protection so I believe the code forces larger wire to be used on the primary for just the small percent of short circuit possibility as you mentioned?