Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations are all-false and thus provide a thin profile (mutating, non-idempotent, not destructive), so the description carries the burden. It adds genuine behavioral context by disclosing the authorization requirement (`respond_dispute` action), but it stops there: no mention of whether the response is final, whether it notifies the buyer, or what state the dispute must be in.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.