The issue comes down to how much heat may be radiated to the air
vs. how much heat may may be conducted into the chassis, a large surface area, and then radiated into the air.
That's an easy question to answer.
Consider the conductivity of air vs. steel and aluminum, all measured in Watts per (Meters x Degrees Kelvin):
Thermal Conductivity of Air: k = 0.024 W /(mK)
Thermal Conductivity of Steel: k = 50.2 W /(mK)
Thermal Conductivity of Aluminum: k = 205.0 W /(mK)
The standard value here is
k = 1, which specifies that a 1 mm cube transfers heat as 1 Watt for every degree Kelvin difference between two surfaces on the opposite sides of the cube. The lower the
k value, the worse the heat transfer will be. Air is a fairly good insulator, which is why we use it trapped in fiber insulation, in both homes and clothes, as insulator to keep things warm or cool. Aluminum is a very good conductor of heat, which is why only thin aluminum may be cut with a laser while steel, relatively speaking to aluminum, is not a very good conductor, so it is relatively easy to cut, even in thicker layers.
Standoffs might be useful in forced-air cooling, since the air may flow over/under the object to be cooled, but this strikes me as implausible given the tiny elevations involved. I call internet nonsense on this.
The only time standoffs are generally thermally desirable is to insulate two devices to prevent heat conduction between the two surfaces. For example, if one had a thermal crystal oven in a shielded box it would be best to insulate that from the case. Or if one had a very hot surface with its own radiator that would be thermally decoupled from the chassis which was used as a heat sink for lower-power devices. Situations like those.
Washers are useful to spread the force of a nut across a larger area, and thus prevent tearout of a hole. So this would apply on the underside of the chassis and on top of the transformer mounting ears, but not between the chassis and the transformer where it would only reduce conduction into the chassis.
So I think that debunks the notion that standoffs could possibly be superior to conducting heat into the chassis which would then radiate it. In fact, one might want to use thermal compound to ensure the best possible heat conduction between the transformer body and the chassis.
The related issue is that black-body radiation is the most efficient radiator, hence black transformer paint. (Yeah, yeah, don't ask me if that's true then why are NYC radiators are usually painted silver or sometimes white, particularly when white shows the dirt, and also breaks down the lead paint to form toxic powder. Also, don't ask me why the subways occasionally run on time and don't bypass one's desired stop. All of these are great mysteries. New rules tomorrow.)