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
![Smile :) :)](/styles/default/xenforo/vbSmilies/Normal/smile.gif)
You'll always have NFC off then unless you needed it, then it auto shuts off after 5 mins.