Very interesting thread. I can't really add nothing new to what prc already said, but I'll try to recap the basics to shed some light on the problem (hopefully).
Regarding the OP original question:
Mbrooke said:
Is there such a thing as a transformer's MVA being increased past the ONAN rating without fans- such as making the radiators much larger?
It is only possible,
without increasing the loss of life rate, if the transformer doesn't reach the windings temperature rises (medium and hot-spot) and the design limit is the top-oil temperature rise. This can be checked from heat run tests or manufacturer calculations.
Why?
Every transformer has its particulars and designing a balanced heat dissipation system that allows for simultaneous optimum temperature rises (for top-oil, medium winding and winding hot-spot) is very difficult. Usually only one of the three mentioned reaches its limit and therefore defines the design.
Why?
Simply put (too simplified I'm afraid) for a general ONAN/ONAF case, the two cooling modes work very differently.
In ONAN the heat transfer coefficient for the radiators is very poor and the oil flows within the transformer at a low rate. This means that the transformer works with relatively high oil temperatures and tends to be the design limit the top-oil rise (usually, but not always).
In ONAF mode, the radiator-air heat transfer improves greatly and the oil flow within the transformer also increases, lowering the working oil temperatures (compared to ONAN) and the windings (the main heat source) can be refrigerated more efficiently. BUT with the MVA increase, that the ONAF imposes, the windings temperatures start to increase greatly (always relatively speaking to ONAN) and tends to define the design in this mode.
The bottleneck of it all are the windings. For an already made unit, the windings will have a defined number and size of "cooling ducts" to refrigerate them from within. So, even if you can lower the oil temperatures with more radiators or attaching fans, the windings will get hotter and the "internal oil flow" wont be enough to keep them from exceed the limit temperature rises.
If someone is still awake after reading all this... hope it helped.