Keep in mind that there are four separate things that all need protection from overcurrent.
1. Transformer primary windings. They would be protected by the primary OCPD.
2. Transformer secondary windings. In one specific circumstance, and your installation does not fit that circumstance, you do not need separate OCPD for the secondary. See table 450.3(A).
3. Secondary conductors from the transformer to the panel it serves. In limited circumstances, and your installation is not one of them, they can be protected by the primary OCPD. See 240.21(C)(1). Otherwise, you need an OCPD at the transformer location or within the locations allowed by 240.21(C).
4. The panel(s) served by the transformer. They must be protected by an OCPD either integral to the panel or located upstream.
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