Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already state the operation is mutating, non-idempotent, and non-destructive, and the description confirms this with 'Create'. It adds useful security context by prohibiting private keys/seeds/JWK/PEM and by saying the return is an exact UTF-8 signing message. It does not disclose challenge expiry, one-time behavior, or what server state is created, so it remains adequate rather than rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.