Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate a state-changing operation (readOnlyHint false, destructiveHint false). The description adds behavioral context: payment release, record updates, and the dispute pathway. This goes beyond what annotations provide, though it does not cover idempotency or concurrency, which are minor for this tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.