I have to admit, having mini-transporters built into the com badges is a form of tech creep I'm coming to really dislike. I get that one of the goals is to make the 32nd century seem more advanced than what we've seen before, but at some point introducing too much advanced tech just ruins storytelling. It's also visually distracting to me.
You do realize you live in a technologically advanced world in which science and technology evolve exponentially.
There's no such thing as 'too advanced technology'. Good writers would know how to write decent/intelligent stories that FIT into that setting. Disco had an opportunity to do that and it unfortunately did not.
Mini transporters being built into the com badges should have been a thing by the time ST: Picard aired.
Portable transporter units existed in the late 24th century at the time of VOY (early to mid 2370-ies) and you could carry them in your hand (they were a bit bulky and sizeable though).
When ST: Nemesis released (which took place in 2379), we saw a portable transporter capable of beaming a person only once which was smaller than a commbadge.
By the time of ST Picard (20 years later) that mini transporter from ST: Nemesis should have been incorporated into the commbadge already which also should have had the same 30 seconds to a minute or two between transport cycles for recharging, much like we saw on Disco)...
The tricorder could have fit into the commbadge by the time of ST: Picard too... although, by that point, the tricorder, commbadge and mini transporter fitting into a commbadge could be reproduced in a way to span the entire size of a uniform and integrated INTO the uniform - such as flexible mini electronics today (think like hundreds of mini transporters, sensors, UT's, power cells, personal shield emitters and transporter buffers... all networked together to provide far greater capabilities.
Since TW beaming was supposed to be a realized thing by the time Spock left for the Kelvin timeline (because Scotty figured it out by then)... UFP should have started using that for moving people and resources around the galaxy by the time of ST: Picard too
In the 32nd century... we'd be dealing with a UFP which was a Type III civilization on its way to becoming Type IV because it colonized most of the surrounding Dwarf galaxies and reached and colonized portions of Andromeda galaxy (which they could have started fixing - or had a much earlier expedition to Andromeda in the 25th or 26th century using QS drive V2 to examine and try to fix the radiation problem back then that would leave UFP on good terms with the natives of that galaxy for future relations).
Disco writers really missed the mark if you ask me and didn't explore all technological options fully.
I am liking the personal transporter (can have some serious fun in showcasing some neat stuff on Trek with that with moving resources and people quickly to distant locations, building, etc). My problem is that they have a 30 second recharge cycle in the 32nd century and are NOT Transwarp based... but then again, Disco writers don't want UFP having nice things in the far future so they handwaved everything away (or ignored it entirely).