Use is dependent on location.
104F ambient in the shade isn’t usual around here, although it seems like it sometimes.
in the sun in middle of summer though, ambient can be higher. When it is, the ambient difference from 40C(104F) needs to be reduced from the rise temp for loading.
example, in the middle of winter when it’s 10F, I wouldn’t worry about your transformer above running at 35-37 for a while with no fans.
the problem is, if it’s that overloaded in the winter, I bet it’s close to that in the summer also. Then the ambient is much higher, resulting in lower MVA ratings.
overloaded XFs don’t last years like they should.
I noticed above I wrote open air, that not what OA means before someone chimes in to correct it...
OA. Oil/air
you also have two FA ratings. That’s for two stages of fans that the transformer probably came with.
FA. Fan assist