Commercial transformers have a hell of a lot more head capacity. Codes and standards when doing panel calculations don’t care about off peak in most places. And unless it has a proper timer, you can’t remove it from calculations on an intermittent basis.

2 houses on the same transformer in a dated neighborhood and it needs to be replaced with a new one. You can plan ahead all you want, but you can’t plan for that at all. And every single one of those requests will push back planned upgrades.

So no, it’s not the same at all.