I really dont like either option. I think Frontier is looking at the ship tranfers wrong.
In my opinion, it should take a lot longer to transfer (as in 12H) and it should only be considered as an alternative to PERMANENT OR LONG TERM SHIP RELOCATIONS to avoid having to buy TAXIS, thats it, and not a way of moving around. If they end up going the instant route, then the cost has to be in the order of several millions per/move. It cannot and should not be an alternative to "commuting".
So ship transfer should never be considered for taking a combat ship to a CG or something like that, it defeats the purpose of FLYING the ship. And Honestly, everyone that claims to not have the time to fly around or just cant be bothered with it is playing the wrong game...
This reminds me of what blizzard did in WoW with raid/dungeon finder. People just stood at the main hubs and didnt even need to move anymore...
Flying to a location yourself should always be faster, though more tedious. Think of sendind a package to your neighbour next door. You can get out of the house and deliver it yourself, or you can use postal services to do it. It'll cost you WAY more, and getr there the next day (at the very least)
If not, everyone will just transfer from CG to CG. And I wonder where will the fuel rats fit in? if everyone just transfers back and forth, they're out of a job...
Apart from that, sure, ship transfer sure is convenient, but absolutely not essential...So is this really a discussion we need to be having in the first place when there is so much stuff in the game that is a lot more essential that this?