The rule of thumb I use is this: Since amps times volts equal watts, I divide the watt rating by the maximum voltage the transformer can output. The product is the maximum amperage of which the internal windings are capable of carrying. Note that this figure should not be adjusted for the amount of voltage actually being outputted. Putting 10 amps through 12 feet of wire generates more heat overall than putting 10 amps through an inch of wire, but the temperature of the wire at any point is the same.
Having obtained this maximum amperage figure, for the postwar and prewar transformers, multiply by .75 to obtain maximum continuous operation in amps.
This is the maximum that should be pulled from the transformer, regardless of how many output circuits are used. These transformers had only one secondary wiring. If you are using a postwar ZW, as an example, this reading would be current flowing through the U terminals. Thus, a 10-amp fuse on each of the 4 outputs would not adequately protect the transformer, because that would allow up to 40 amps to be drawn. In fact, the internal resistance of the transformer would probably limit the amperage, but the heat would be disastrous for the windings insulation; if you're lucky, the internal breaker, which Lionel put in the U circuit, would open.