I have no problem whatsoever if a player headed to the NFL opts out of a bowl game to prevent injurying themselves before getting their paycheck. Get your $ then injure yourself in the NFL.
And I don't really fault a transfer player doing it either, but I fault the system that allows that to happen. The NCAA needs to do whatever they need to do to disallow players from entering the transfer portal prior to the National Championship game. If that means moving the early signing day to January 15, then do that. (I know the 2 are not the same, but I assume many transfer decisions are based in part on who is being signed out of high school). But I know that's problematic too since freshman are getting on campus early - but they were doing that before the early signing day existed. I just don't recall how it worked.