What protects earth from harmful radiation when in the stratosphere but is pollutant at lower altitudes

Here, ground-level or "bad" ozone is an air pollutant that is harmful to breathe and it damages crops, trees and other vegetation. ... The stratosphere or "good" ozone layer extends upward from about 6 to 30 miles and protects life on Earth from the sun's harmful ultraviolet (UV) rays.

it is very hard for the climatologists to precisely predict how will the global temperatures be changing so there's lots of models, some of which differ significantly, this is due to multiple factors, and probably the most important is the human activity.

humans have been a key factor in climate change around the globe since the start of the industrial revolution, and in the past few decades the consequences are becoming more obvious. there's lots of emission of pollutants in the atmosphere as well as changing the environment on the surface itself, so it's really hard to predict how will that go in the future because there's some countries that are reducing the damage and are going towards green energy, while others are stubbornly continuing with pollution and damages to the environment.