Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose one critical behavioral fact: it returns an *unsigned* tx for the owner to send, so no on-chain write happens here. It does not state ownership/permission prerequisites, whether calling it has side effects, or idempotency, leaving meaningful gaps for a no-annotation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.