Personally, I believe in saying what you mean, even if it takes a little longer. We're basically talking about people who support trans rights and those who oppose them
Few disagree with human rights. And trans people already have those.
'Trans Rights', however, implies additional rights; such as the right to access spaces, services and sports set aside for the opposite sex.
Trans rights also posits privilege for trans people. That the needs and feelings of trans individuals trump everyone's else's.
There is a compulsion on everyone else when it comes to trans rights; an imposition on everyone else's speech and on the very language we use. The whole concept of pronouns.
Trans rights also implies transitioning children through the use of puberty blockers and cross sex hormones; it implies that 'trans children' need to be 'rescued' early.........
Basically trans rights is not just about human rights, or about the requirement for discrete, reserved spaces that other groups have campaigned for; or about equal treatment in law.
The very concept of transgenderism is itself an ideological construct that not everyone accepts or aligns with. So it really is not as simple as being for or against trans rights at all.
TRA is a shorthand for people who campaign in a very active way for all of the above.
TERF on the other hand assumes that everyone who is critical of gender constructs is a feminist, or identifies as one. Which is not the case. I don't use the term Feminist to describe myself, for example. So, TERF is not even accurate a description for all gender critical people.