A 74-year-old man presents with fever, productive cough and pleuritic chest pain for 3 days. His observations are: temperature 38.3°C, respiratory rate 28 breaths/min, blood pressure 100/62 mmHg, heart rate 110 beats/min, oxygen saturation 92% on air. Urea is 9.0 mmol/L (normal 2.5–7.8). What is the most appropriate disposition based on severity assessment?