Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description goes well beyond that: it states the check is fully offline, requires no RPC, describes the exact validation steps (domain rebuild, signer recovery, payTo/amount/asset binding, validAfter/validBefore window), and enumerates what it deliberately does not verify. That is genuinely useful behavioral context for trusting the result.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.