This card is, I think, deceptively good. Much like Inquiring Mind its effectively a conditional 3 wild icons with a hoop to jump through- if you want better than Unexpected Courage, you need to earn it. Having three science or tool assets is theoretically a meaningful condition, but lets dig into it.
For starters, Darrell Simmons and Kate Winthrop will probably always be taking this over Unexpected Courage. They start with tool/science assets in play, so its a no-brainer. But for everyone else we need to start asking: what is the cost of getting Science or Tool assets on the board? Even just with Hemlock Vale and a Revised Core, this isn't going to be tough. Magnifying Glass or its upgrade stand out most here as cheap, highly effective Tool assets. Chemistry Set, Ravenous Myconid and Steady-Handed provide good options too.
Those with a bigger collection though will want to look to Scarlet Keys: Empirical Hypothesis is the standout here, but an upgraded Fingerprint Kit or more niche cards like Alchemical Distillation, Lab Coat or Surgical Kit are also worth considering as options.
Tool and Science aren't traits with a terribly deep card pool, and that might make Well-Funded seem limited in its usage. It is fortunate, then, that the traits it covers contain some of the cheapest, most effective assets in the Seeker arsenal, even from level 0. So don't worry about it! Go down to Miskatonic University, ask them to give you a research grant to study the local fishmen population, and show them your hypothesis under a couple of magnifying glasses. When you run into trouble, comfort yourself with the knowledge you have so, so much grant money.
