Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover safety profile (readOnly=false, destructive=false, idempotent=true, openWorld=false), and the description adds key context beyond them: the transaction is 'unsigned' (not broadcast), and it is a prerequisite step whose generated call varies by asset type. It doesn't detail return shape, but an output schema exists so that burden is lifted.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.