Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden; it does add genuinely useful behavioral context — 'official KoSIT', signed Ed25519 VCs, and 'zero retention' — which a caller could not infer from the schema. However, it omits what happens on invalid input (error vs. validation result), that a fee may be charged (implied by max_accepted_fee_eur), and the shape of the issued VC.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.