There's another major factor: age
The key bit here is the 'as low as' part.
In the old days, there was less conncern with available fault levels (AFL) than there is today, and the systems were generally smaller with lower primary-sode AFLs.
So the xmfrs were built as cheaply as possible, without regard to AFL and little regard to efficiencies and losses.
Over time, the practices changed, and the minimum impedances for new transformers were increased.
Somewhere in there, padmounts became common, but the avergae polemount is older than the average padmount.
So, my present-day spec for a 50kVA polemount and a three-phase 150kVA padmount provide for the same worst-case AFL on the secondary side, but thius only applies to the ones I am buying NOW.
I have old (polemount) xmfrs in service dating back to 1930. The impedances really are 1.15%, 1.3%, etc. My NEW ones are all 3.0% Z (min imum).