Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, openWorldHint, destructiveHint=false). The description adds genuinely non-obvious domain behavior: rewards exist in two states and in-review rewards are not owed because a human reviews each referral. That is real interpretive context the schema and annotations do not carry, though it says nothing about pagination or freshness.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.