Note again:
the transformers used for 12v halogen lights have poor regulation
That is only true if the manufacturers have specified poor regulation in their purchase order to the transformer manufacturers.
Which suggests that your experience "normally" includes only low cost ( or high profit margin ) equipment and installations.Nothing about a "decent" transformer but the ones normally used. I think I've made my point.
You have made a point but probably not the point you wanted to make.