Agreed, but you don't need Sapphire Reserve to transfer, nor do you need Sapphire Reserve for insurance benefits, Sapphire Preferred is better value, especially if you need to transfer to more than one person's airline or hotel accounts.
3x travel and dining vs. 2x preferred and 100k med evac probably make up for me the diff (150 net after 300 travel credit vs. 95) between Reserve and Preferred. Also the Priority Plus membership including guests is a nice perc for frequent travelers.