Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=true, so the safety profile is covered structurally. The description adds genuinely useful context with "Never send a private key or seed phrase," but says nothing about challenge lifetime, single-use semantics, or what the caller does with the returned challenge.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.