Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden of disclosing behavior. It only says 'Create a new vault,' which implies a write operation, but it omits that confirm=true is required to execute, what happens on success, and any side effects such as becoming the default vault. The schema reveals the confirm guard, but the description itself adds no behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.