Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover safety (readOnly=false, destructive=false, openWorld=true, idempotent=false), and the description adds real context beyond them: key-only auth with no password, a prepaid wallet created for metered tools, and future rebinding via claim_agent. It does not disclose error behavior (e.g. duplicate name) or whether registration is gated, so it is helpful but not complete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.