Personally, I take the NCL transfers every time and have never had an issue over many sailings, neither have any of my friends who use the same service. Just wanted to add a little perspective.
You are in the wrong forum. This is the test forum. Click on the "Find Your Roll Call" link at the top left of this page. Look for the Roll Call for your Cruise line/Ship/Sailing Date.
It's never a good idea to fly in the day of your cruise. Sometimes things happen and that's your only choice but if possible fly in at least one day early.
For lots of info on Miami hotels check out the Florida Departures Forum:
https://boards.cruisecritic.com/forum/386-florida-departures/
Here is the forum where you want to ask/research this issue. Lots of great info to peruse. Link:
https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/