I would suggest that the answer is contained within the text you highlight:-
A "short term loan" gets away with an in-line 10 mA RCD (but who provides/installs this?).
A "long term loan" requires an area that complies with AS/NZS 3003 (presumably an area re-worked at great expense to "medical" standards). The point is amplified further by the clause mentioned regarding the requirement for testing. So it could be argued that "3 months and beyond means long term".
So ... not so much the time lapsed per se ... but rather the environment to which the equipment is "loaned" into.
As my Dad used to say (to his "mates" scrounging tools):- "what's the point of calling it a loan, when we both know I'll never see it again"?
Think positive and use such commitments to support your demands for more technical manpower; especially as the "community" environment is just as likely (more) to present hazards to patients and (visiting?) staff as any in a (closely monitored) hospital setting.
