This would allow wallet operations like funding transactions with smart contract-based inputs such as LN, or any input the Core wallet doesn't know how to sign for.

https://github.com/bitcoin/bitcoin/pull/17211#issuecomment-933674310
{
    if (chain.isInitialBlockDownload()) {
        return false;
    }
    constexpr int64_t MAX_ANTI_FEE_SNIPING_TIP_AGE = 8 * 60 * 60; 
    int64_t block_time;
    CHECK_NONFATAL(chain.findBlock(block_hash, FoundBlock().time(block_time)));
    if (block_time < (GetTime() - MAX_ANTI_FEE_SNIPING_TIP_AGE)) {
        return false;
    }
    return true;
}
/**
 * Return a height-based locktime for new transactions (uses the height of the
 * current chain tip unless we are not synced with the current chain
 */
static uint32_t GetLocktimeForNewTransaction(interfaces::Chain& chain, const uint256& block_hash, int block_height)