Heat is the transformers enemy.
For every 10 degrees C above the rated temperature, the transformers life is cut in half.
So if you overload a transformer 24/7 to the point where it is above the rated temperature it will have 50% of the rated life.
However, if it is run at that temperature for 10 hours, the life expectancy will be shortened by 10/2 = 5 hours.
Now let's look at an overload suddenly applied to a transformer.
A transformer may have a thermal time constant of between 3 and 5 minutes. (Time constant: The time for a measured value to reach 63% of the value causing the change.)(Memory is failing but I seem to remember the exact factor as one minus the reciprocal of the base of natural logarithms. Just use 63%.)
For more and more accurate, Google "Time constant".
It is accepted that for almost all purposes, terminal temperature will be reached in about 5 time constants.
Old mechanical demand meters were designed to mirror transformer heating and two standard windows were 15 minutes and 30 minutes.
Now if your transformer is fully loaded and at maximum temperature you should not be starting a large motor.
Any motor that take more than about 10 seconds to get up to speed, should be started with a reduced current starting method.
So 10 seconds out of 3 minutes(One time constant, the temperature will have reached 63% of the final temperature.)
Most motor starts will not affect the life of the transformer. Some extremely difficult starts may take a few seconds off of the life expectancy.
How much impedance will the transformer add to the starting circuit?
The impedance and voltage drop will be more than that calculated based on the transformer regulation.
The impedance and voltage drop will be less than that calculated based on the transformer impedance voltage.
Bill
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"Why not the best?"
Jimmy Carter