Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description openly discloses the effects beyond the annotations: full acceptance settles, payment releases to the provider, both records update, and rejections open a dispute path. This is valuable behavioral context that annotations alone do not provide, and it matches the non-read-only nature of the tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.