Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly=false, destructive=true, idempotent=true, but the description adds genuinely new behavioral context: the tool records who did the step and when, returns what comes next plus its due date, and specifically that ticking 'submit' transitions the tender to Submitted. It does not explain what could be lost given destructiveHint=true, which is the remaining gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.