Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: signer must be the same wallet that claimed, 5-minute validity window, free/no gas, house never holds a key, and the write gate rejects non-probed paths. The only soft spot is 'Atomic: readers see the old set or the new set, never half,' which describes the eventual surface state rather than this prepare step, an ambiguity given readOnlyHint=true — though it does not truly contradict the hint since this tool only returns a message to sign.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.