Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/openWorldHint, so safety is covered. The description adds real value beyond them: it is free, it verifies recipient, amount, time window, EIP-712 signature against the token's real domain, nonce reuse and balance, and 'every failed check comes with the fix.' This paints the verification behavior richly.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.