Robin,
I have a (huge) old tranformer which is nominally rated at 11V, 15 Amps. I have no idea what it was originally used for. I acquired it years ago to strip for the copper wire (another project), but never got around to it. I just used a solid state full-wave rectifier (easy to find), and I have a 5000 uF 40V capacitor to smooth it,. (It works without the cap, but a bit noisy for some reason).
I have to admit the whole thing was not 'designed' – I just needed something to do the job in a hurry, so whacked it all together without much thought. As you can guess from my description, as it stands, it could be a bit lethal. It all sits in a wooden case, and the only protection is a fuse in the power lead. I did have a 25A fuse in the motor lead, but this blew sometimes, so eventually I just removed it. (I know – but its my shed, and I can take my own risks!).
I can't say I have ever had problems with startup current – as you say, rule of thumb says 5 or 6 times running current. I normally switch on with no mechanical load, so the load current / inrush current is probably relatively low, so I guess this is the reason. May be a problem if I startup on-load (ie motor stalled – must try it sometime).
As I noted before, transformers now are pricey – I did run it for a while on a car battery, albeit at reduced voltage, and it still worked Ok for me – a bit down on power (18V motor). (A battery is probably cheaper than a transformer these days! – use the guts of a 12V drill maybe?)
I suspect smps supplies cannot start up under such a heavy load, but I have never investigated it.