I think I can answer your question. The MMF equation is actually a form of Ampere's law for magnetic materials. The derivation begins with using the equation ## B=\mu_o(H+M) ##, and taking the curl of both sides. ## \nabla \times B=\mu_o \nabla \times H+\mu_o \nabla \times M ##.
Maxwell's equation is then employed. ## \nabla \times B=\mu_o J_{total}+\mu_o \epsilon_o \dot{E} ## which becomes ## \nabla \times B=\mu_o J_{total} ## for steady state, where ## J_{total}=J_{conductors}+J_m+J_p ##.
The bound magnetic current ## J_m=\nabla \times M ##.
( Polarization current ## J_p=\dot{P} ## is presented here for sake of completeness, but is often not of interest).
This leaves ## \nabla \times H=J_{conductors} ##. This is integrated over an area ## dA ## and Stokes theorem is used. The number of turns gets included when counting the current. The result is ## \oint H \cdot dl=NI ##.
The ## H ## is really just a mathematical construction, but a very useful one. It is assumed that the flux is continuous in these problems because ## \nabla \cdot B=0 ##. The additional assumption is made that ## B=\mu H ##, for some ## \mu ## that is known from the hysteresis curves. The function ## H ## can undergo discontinuities that arise because of magnetic poles (magnetic surface charge ## \sigma_m=\mu_o M \cdot \hat{n} ## at the surface boundaries, e.g. at the faces of the air gap. In general, magnetic pole density ## \rho_m=-\mu_o \nabla \cdot M ##).
In doing these calculations using the MMF equation, it is not necessary to compute the magnetic poles. Instead, all that is necessary is to make the assumption that ## B ## is continuous, and that ## H ## changes values from ## H_1 ## to ## H_2 ## as the material changes. (Were assuming constant cross-sectional area here). The result is ## \oint H \cdot dl=H_1L_1+H_2 L_2 ##, etc. and all you need to do is write ## B_1=\mu_1 H_1 =\mu_2 H_2=B_2=B_o ##, and the complete solution results.
In the case of a transformer with an air gap, the term ## \frac{ B_o}{\mu_{air} }L_{air} ## can often be much larger than the term ## \frac{B_o}{\mu_{core} }L_{core} ##, if ## \mu_{core} ## is sufficiently large. ##\\ ## Additional item: The equation ## \oint H \cdot dl=NI ## always applies, and because of the additional assumption of the continuity of ## B ##, it is really rather remarkable how much can be computed from it. The ## H ## is really just a construction, and the actual magnetic field is the ## B ##.
One thing that is actually of prime importance in what goes on, regarding the magnetic field in the transformer, is the magnetic surface currents that are part of the ## J_m ##. These get totally removed from the ## \oint H \cdot dl =NI ## equation. ## \\ ## Edit: It took me a while to figure out what the real puzzle may be here, but I think the next couple of paragraphs may make ## H ## appear much more logical: ## \\ ##The ## B=\mu_o ( H +M) ## equation, actually also plays a prominent role here. The derivation of this equation is rather lengthy, and the ## H ## that comes out of this is somewhat complex: Besides having currents in conductors as sources of ## H ##, (comes from Biot-Savart and/or Ampere's law),
magnetic poles are also sources of this ## H ##. That is why we are justified in assuming ## H ## can undergo discontinuities at the material boundaries, so that ## H ## takes on a new value in the gap than it did in the adjacent core. ## \\ ## (If the only sources of ## H ## were the currents in the coils, the behavior of this ## H ## function would be really very difficult to explain. A detailed analysis with the magnetic pole model really makes the discontinuos behavior of the ## H ## quite logical. You may also note that the ## H ## from the coils that comes from Biot-Savart indeed has ## \nabla \cdot H=0 ## so that the portion of ## H ## that comes from the currents in the coils will be continuous).## \\ ## When we write ## \oint H \cdot dl=NI ##, the ## H ## in this equation is a very precise ## H ## that includes not only the ## H ## from the currents in conductors, but also the ## H ## from magnetic poles. Likewise, when the ## H ## is computed in the air gap, the effect of the magnetic poles around the gap get taken into account=really in a very subtle way, by simply saying that the value of ## H ## there is some unknown ## H_{air} ## that is different from ## H_{core}##. ## \\ ## (You might also find it of interest that for the ## H ## from the poles, ## \oint H_{poles} \cdot dl=0 ##. Just like the electric field from electrical charges , where ## \nabla \times E=0 ##, the ## H ## from the poles has ## \nabla \times H_{poles}=0 ##. Note: The ## H ## from the magnetic poles points in the opposite direction in the core than it does in the gap. In general it is also much weaker in the core, because the two faces of the gap contain opposite poles whose effects will mostly cancel in the core. Across the gap the opposite sign of the poles makes their contributions add). ## \\ ##
The value ## H_{air} ## that is used in these equations is assumed to be the result of the ## H ## from the current in the coils along with the ## H ## from the poles. Likewise, the ## H_{core} ## is assumed to result from the ## H ## from the currents in the coils along with anything that comes from the magnetic poles.## \\ ## You also might find this thread of interest, although it is rather lengthy. I think we really dissected the problem of the transformer with an air gap in this thread:
https://www.physicsforums.com/threads/magnetic-flux-is-the-same-if-we-apply-the-biot-savart.927681/