Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, the description discloses important behavioral traits: owner-only authorization, revert behavior under debt/undercollateralization, the max_uint256 limitation, and on-chain account version auto-detection. These add significant context that the annotations do not provide, and there is no contradiction with readOnlyHint=false or idempotentHint=true since it only builds an unsigned transaction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.