You should know this already, but just as a reminder:
A solar PV plant generates power only when the sun shines, and its power output peaks through the middle of the day with a short maximum at local apparent noon. 90% of your power comes between 09:00 oclock and 3:00 oclock (15:00 hours military time), and that peak power ONLY comes on a "perfectly clear" day (no clouds, but also no humidity, no haze, no pollen or dust, and onto "perfectly" clean panels. )
So, your calculation for maximum peak power can only come true through those few fleeting moments around noon on perfect days. Every other minute of every other day in a real weather, real output current WILL be less power out than peak advertised rate.
First: Size your transformer rather for that 11:00 to 13:00 hour (lower) but more likely "average" long term heating rate!
Further, PV panel degrade with time: rapidly at first to something like 90-87% max "sales" power output, then they stay static (slowly decreasing) for several years before dropping off at the 7-10 year point. Catastrophic loss (broken panels or burned connectors or an ice storm or hail storms will kill a few panels along the way - but those losses are unpredictable.
Regardless, you will never again see a "peak power output" again once the plant starts up - everything thereafter will be at lower power. Also: When considering that long-term 11:00 - 13:00 "generated" heat load across the middle of the day, recognize that "maximum generated power" (output) from the PV array IS maximum on a solar year and solar day - NOT on a real world heating day! Thus, the air temperature around the transformer WILL be hottest (northern hemisphere) between 13:00 to 15:30 hours (later in the day!) and later in the year (in July and August) than the maximum solar yearly exposure of May 22 through June 22 until July 22 each year and maximum daily exposure to the sun between 11:00 until 13:00 hours each day. What this means is: Your local air temperature through the fans cooling the transformer WILL be hotter each day when the heat generated by generated load in the transformer is NOT at maximum each day, and the maximum current generated inside the transformer will NOT be at maximum when the air temperature around the transformer is at maximum through the summer over all.
Further, the solar top-of-atmosphere radiation value will vary through the year as well: Solar top-of-atmosphere radiation peaks on January 5 each year at 1410 watts/m^2, but is its yearly LOW on July 5 at 1306 watts/m^2. Again: in the northern hemisphere, the PV panels will NOT be producing their rated maximum in the summer at the time of year when the air temperature (northern hemisphere!) is at its hottest.
So, be prudent in sizing the transformers, but DON'T buy too much transformer as long as the first few months of operation in the first summer during LATE July and August can get through without burning up. That first August will never again see that large a heat load.
Notice that i keep repeating "generated current" and not "maximum demand" - Load (grid demands) do NOT peak when your solar PV is outputting maximum current, regardless of time-of-day nor day-of-year. The electric industry has peak demand early in the morning, then again "after work" around 16:00 to 19:00 pm each day, when solar power plants CANNOT be putting out their maximum output. So, your output transformer at those times-of-day will also see below maximum currents and thus below maximum heat loads. Both peak demands also happen when air temperature is lower than its daily maximum of 14:00 to 15:00 hours.
The combination of everything means you face a high (but not maximum possible!) generated current around 15:00 hours during a higher (but still not maximum!) demand curve during a hot time of day on hot (but not maximum!) month during a not-maximum solar radiation period of the year.
What latitude is the proposed plant? What region?