You need a DEM to use RPCs for geolocation. Running things through gdalwarp as was done here will assume no terrain and 0 elevation. That will lead to significant mislocations anytime it's not flat and at sea level, especially given the off-nadir view angle of the data used here.
In other words:
gdalwarp \
-t_srs "EPSG:4326" \
2024-05-25-15-37-54_UMBRA-06_GEC.tif \
warped.tif
Should be: gdalwarp \
-to RPC_DEM=some_dem.tif \
-rpc \
-t_srs "EPSG:4326" \
2024-05-25-15-37-54_UMBRA-06_GEC.tif \
warped.tif
If you don't want to use a DEM for orthographic corrections, then you should at least include a constant elevation in meters of the scene with RPC_HEIGHT. Otherwise things can be shifted kilometers from where the image actually is.