Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden for a financial transaction tool. 'Prepare' hints that the trade is not executed immediately, which is mild added value, but it omits whether wallet connection or prior approval is required, whether the quote can expire, and what side effects occur. Significant gaps remain.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.