Ah, mathematics. It "boggles the mind".
When the fellow at TAB sold me those 16 Volt Transformers and those Variacs in 1989, it was a simple concept - have too much Voltage, and then regulate it with the Variac.
Here is the diagram he gave me - and note that he requires a Circuit Breaker coming into the Transformers and out of the Variac to the track.
I now run the Toroid transformer through a surge protector and there is that fuse on the Variac.
Truth be told, I took all the parts home to the Bronx and put the 8 Transformers in a wooden box with 4 of the Variacs. I wired it all up and then ran it on our attic layout for 2 years - without it burning up!
A "miracle"? , I guess - or perhaps it could never get hot enough to burn anything!
To be clear, I only "ruined" 1 Toroid - a 4.4 Amp Model - and I did that by running it for a very long period of time at 5 Amps. The temperature gauge stopped reading at 110 Celsius.
The fellow at TAB also sold me 30V Voltmeters and 10A Ammeters, which explains what kind of power was in the Transformers he sold me. And he sold a lot of different stuff!
Be that as it may, we are free to choose here in the USA. If everyone who sees this "knows" the Waste and Ruin TrainHaus is selling a "dangerous and defective product" - well, I guess we will be "ruined"!
According to my Business Insurer, I should not sell it to anyone under 21, and all who do buy will have to sign a liability waiver!
But "Opinions" are not "Facts", and "theoreticals" are not "practicalities". Just ask Edison and Westinghouse what was "Fact" in their "war of the currents"!
My "facts" are too simple - when I was 15 I watched a farmer work on an electrical outlet in a barn. I said "but the current is live!" He said "just don't touch the common and the hot at the same time" and finished the job.
I can do that too, now. But the fellow who was cutting a hole in the outside wall of a residence and did not know there was a live 220 Volt wire where he was cutting - he Died. Quickly.
But in the Philippines, 220V is the norm - it uses about half the juice of 120V. But all who "mess" with it know this - "DO NO WORK ON IT LIVE!"
The Heat produced by a Toroid Transformer will only be trouble if we Overload it - so, please do not! But even then, it will never get hot enough to burn wood!
Now that is not a "fact", but WoodsyT, I will ship it to you Free, and you can attempt to make it "burn, baby burn!" - but - please use the scientific method and record the sad "facts" (for us) as they happen.
In the meantime, would anyone buy this "hot" wooden TV?
But folks - please leave the "overloading" to fools like me who want to find those "Outer Limits" of AC Model Railroading! Because they are There! Even on that old TV!