Just one comment: European practice is to use three-phase transformers, not three single phase transformers. They also tend to be large and pad mounted, unless serving only a small number of houses.
The advantage of a three-phase transformer is the lower total cost.
The advantage of single phase transformers is that you can have the same transformers for both single phase and three-phase lines. The more single phase lines per three phase lines (on the LV side) you have, the more likely you are to go for this solution.
