One interesting thing in the formula you used (post7)is application of .9 efficiency factor. Does it mean output KVA is generally used instead of input KVA?
Good point, xfmr efficiency ratings are OEM specified on Nameplate, and modern hi-efficiency transformers are far below traditional eff. tables based on KVA, so inrush currents are higher, blowing traditional overload selections. NEC Annex D - Example D10 does not explain where 0.9eff came from, but using xfmr Nameplate values has become more critical.
Further confusion, is NEC sections 310 Tables, 430, 440, & Annex D - Examples, which show conductor ampacity, motor, & xfmr calcs under load, rather than xfmr output (line voltage). Actual load voltage in the wild is unknown, but the NEC Tables & examples assume 460vac for 480v services, 230vac for 240v services, and 110vac for 120v services, which piles more assumptions on actual values.