Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does so well: 'Free, moves no funds' discloses cost and side-effect profile, and it specifies the return shape { nonce, message } and required signing scheme. It omits operational details like nonce expiry or whether repeated calls invalidate the prior nonce, so it falls just short of full transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.