Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that the payload is unsigned, content-addressed, and does not perform the on-chain anchoring (since it's 'ready for YOUR OWN signer'). This clarifies a key non-obvious trait. However, it does not state whether the operation is read-only, if it has side effects, or if any preconditions (e.g., existing trust score) are required.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.