Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral burden and does so well: it names the structured return fields, the portable V5 proof blob location, the six-layer structure, finality typing, off-chain carriage, and the retryable error shape with retry_after_seconds. It still omits permission requirements and rate limits, so it is not fully exhaustive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.