Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
It discloses that the tool only builds (does not send) a transaction, that the address is predicted deterministically via CREATE2, and how account_version/creditor change the resulting account type. These traits go well beyond the annotations, which only indicate idempotence and non-destructiveness.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.