Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that the tool creates a signed credential, which is the primary behavior, and notes enforced spend limits. However, it does not mention permissions required to issue, reversibility, or failure modes (e.g., invalid DIDs), which would be expected for a mutating credential-issuance operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.