I walked my first camino back in 2000 when the only luggage transport was from Villafranca to O’Cebreiro and there were few private albergues so I am somewhat old school in my thoughts on the camino so my thinking is that if you can afford to have your luggage transported, you should be able to afford a private albergue.
But rather than rely on my own feelings, I just checked the website of the Spanish Federación Española de Asociaciones de Amigos del Camino de Santiago and the Google translation concurs with my thinking, “since the shelters will be destined for individual pilgrims who have to carry their luggage with them.” This is an explanation of why some of the luggage transport services arrange pick-up and drop-off at bars and the similar places. so if you are planning on using a munincipal albergue, you might want to reconsider the usage of a transport service.
One of the things I noticed on my last camino was that a lot of the people carrying backpacks were older. In the group I was walking with, the three of us that carried our backpacks were also the three oldest, and all in our 60’s. i Am planning on walking my next camino in 2025 to celebrate 25 years after my first, and even though I will be in my 70’s, I plan to carry a backpack.