There used to be a toggle for NFC in the notification panel, but no longer that I can find on my Android 11 Pixel 4 XL. It's hidden and that's irritating. They make it very easy to turn on though, with a toggle in Google Pay. Scrotes.
I'd solve this by using Tasker to turn off NFC after 5 mins. Then just manually turn on NFC in the app like you say they've conveniently placed in the app
You'll always have NFC off then unless you needed it, then it auto shuts off after 5 mins.