over-use of allow-transfer ?

Hello,

Question: In the case shown below, is "allow-transfer" needed in the
options area in named.conf?

Details: In our named.conf file for bind 9, we have the directive
allow-transfer used in the following locations:

  1) at the top of named.conf in the "options" setting, after our acl
list.  It contains the list of slave DNS servers at our colo;
  2) within each zone entry for our "inside" view.  It contains the
list of slave DNS servers at our HQ;
  3) within each zone entry for our "outside" view.  It, too, contains
the list of slave DNS servers at our colo;

Is this overkill?  Maybe even a misconfiguration on our part?  I mean,
I understand setting allow-transfer for each zone within each view,
but do we need allow-transfer within the options area?  I don't want
to remove it because, well, I don't want to break our DNS :)

Does our configuration have the risk that outside slave DNS servers
may be able to zone-transfer our *inside* zones?

Thanks in advance for the clarification(s).