IEEE C57.91 describes how loading affects the lifetime of a transformer. The IEEE transformer specifications are based on continuous loading, however this guide helps you convert a load and ambient temperature profile into an equivalent constant load.
If you load the transformer to the ONAF1 rating on an ONAN/ONAF1/ONAF2 rated transformer, theoretically the oil temperatures would be at the nameplate 65 degree rise. By turning both sets of fans on, you would reduce the temperature rise and significantly extend the life of the insulation. On our transformers with thermostatically controlled fans, the fans come on at well under the applicable MVA rating.
Some utilities leave the fans on continuously during the hottest months of the year.
Fans can definitely be a maintenance headache, so be sure you get ones that will last longer than the transformer. Be sure to include a switch to alternate which set comes on first in order to equalize the wear. Also, having an individual breakers for each fan costs more, but will allow for the rest of the group to stay on when you do have the inevitable fan failure.
When writing the transformer specification, the cost for losses also plays into how much cooling is required. In a recent tender, our fairly high evaluated costs for both load and no load losses lead to vendors submitting natural cooling options instead of forced cooling options. The low losses mean less excess heat to dissipate.