Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden; it does disclose that the call is metered and that it returns a signed receipt, which is useful beyond the schema. It does not state permissions/auth requirements, whether the exit is destructive or irreversible, or what 'proven order' entails.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.