Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations the description carries the full load, and it does disclose meaningful behavior: the output is UNSIGNED (not broadcastable as-is), it is gated on timelock expiry, and for Bitcoin preimageHex must be omitted at broadcast time to select the refund branch — a non-obvious, high-consequence detail. It omits what happens if called early (error semantics) and what the returned artifact actually is.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.