Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare that this is a non-read-only, non-destructive, non-idempotent, open-world operation. The description adds meaningful context beyond that: creation is tied to the signed-in account, wallet omission is allowed for self-verification, and multisigner cases must use the prepare/submit flow. It does not explain persistence or proof privacy here, but the schema covers privacy options.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.