I agree that people who seek a letter of transfer are those who, as the saying goes, "leave out the front door", completely copasetic with the church they are departing.
Regarding the clouds without water, note:
Jude 1:4,
Quote:
4. For there are certain men crept in unawares, who were before of old ordained to this condemnation, ungodly men, turning the grace of our God into lasciviousness, and denying the only Lord God, and our Lord Jesus Christ.
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From here all the way to the clouds without water/wandering stars (and etc.) Jude never stops talking about the same kind of people.
As he moves into verse 5, he speaks of covenanted people of God, then to angels, and etc. Honest seekers looking to check out a church aren't men creeping in unawares. Honest, but lost people have no hidden agenda.
But the "certain men" are not so. They are spots on the agape feast. Woe is pronounced against them (verse 11). God would never speak a "woe" unto any lost person innocently attending a church service wondering if the whole Christianity thing is for them.
But for false brethren seeking to do harm, yes, such can and do get a "woe unto them" from God.