Virgil,
If the 3 transformers belong to the power company, then that end of the deal is their problem.
I re-read your original post, but I don't see that you mentioned the size of the existing service. If it is not at least as big as your calculations for the motors indicate it should be, I'll just mail you the red sticker.
If the owner does not want to upgrade service to adequate capacity, I think I'd want a downpayment, T&M or not. You may not have to trash the whole service, you might be able to just add on another 200 or 400 amp disconnect, provided that you have CT metering & have not already hit the 6 disconnect limit.
You may still have a problem with the larger motors. Presuming you're dealing with Allegheny, they require you to consult them about any 3 phase motor over 19.9 hp. So you should prepare you customer for sticker shock if you need to get reduced voltage starters.
This thing is starting to smell bad. Either convince your customer that you know best or let him go the DIY route.
Tom