Each transformer is going to have different losses, how ever you can specified total losses or just the load loss.
If the manufacturer exceed the guarantee number then you can get some money back.( must be stated in the contract)
When you specified the impedance leave your self a room for errors...
hot spot inside the transformer, loose connection, partial discharge,electrical arcing, there is lots of things to go bad.
Pull the oil sample (dga) monitor combustible gases...