Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With readOnlyHint=true supplied, the key added value is the disclosed precondition burden: this tool does not check ownership or finalization, and the agent is responsible for verifying both via the user's wallet/RPC. It also bounds scope to exactly one request ID, so no batching is implied. It does not say whether preparation is chain-restricted beyond the schema, but nothing contradicts the read-only annotation since 'prepare' means building a transaction, not submitting it.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.