transformer dcr might be at a 90 degree angle to the resistor, so it will not do as much damage as you think,
you can look at this from a power transformer point of view,
a 1:4 transformer will make 1 volt into 4 volts,
if you have a 4 ohm resistor on the secondary, then 1 amp will flow.
this means you have a 4 watt system on the secondary.
now the current needed on the primary to make 1 amp on the secondary will be
volts times amps pri = volts times amps sec
so 1 volt times X amps = 4 volts times 1 amp
so 1 volt times X amps = 4, so X = 4 amps pri current needed
or use the watts in = watts out and say we have a 4 watt system on the pri also, this means that 1 volt needs 4 amps to make 4 watts, a little easier way of calculating,
so 1 volt at 4 amps, use ohms law on that, to figure out the load reflected to the pri
1/4 = 0.25 ohms,
so yes, the reflected load is by way of the Z ratio, not the turns ratio,
since 0.25 ohms is 4 ohms/0.25 = 16 which is the z ratio.
use this power approach as a brute force way to correct yourself,
the main thing to see is that since power is I^2R, the R must follow this formula, which is quadratic in I, not linear, like the volts times amps formula.
so the Z ratio formula is really derived from the Watts formula,
sec: 1 amp ^2 times 4 ohms = 4 watts
on the pri side, 4 amps ^2 = 16, so if I^2R = 4 watts , then 16 times R = 4, R = 0.25.