Actually, everyone understands that "on-chain data" looks transparent, but the record on your phone is often already second-hand.

Last night, I stayed up until 2 a.m. reviewing audits, and casually compared how the same transaction appears on different RPCs: one still pending, another already successful...
At the time, I thought I had selected the wrong chain, and it was quite awkward anyway.
Slow node synchronization, RPC caching, indexers falling behind, and even the front end doing a small cache itself—what you see as "on-chain" can be delayed from a few minutes to several hours.

Recently, the community has been arguing about privacy coins/mixing and the boundaries of compliance.
I can understand both sides' frustrations, but honestly: many people rely on "on-chain transparency" as their confidence, but what they are actually checking is whose index and node perspective they are using.
My approach is a bit more straightforward: at least switch between two RPCs for key operations, then compare with the block explorer and raw logs.
If unsure, don’t act immediately—it's okay to be slow.
For now, that’s how I do it.