Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations provided, so description carries burden. It states the tool is a build (returns unsigned tx) and is idempotent. This adds context about its side-effect-free nature. However, it does not disclose what happens if the ATA already exists (idempotent implies it might return existing), or any authentication needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.