Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and idempotentHint=true, so the safety profile is known; the description adds genuine value by specifying what is destroyed (the transfer and its timeline), that the action is irreversible, and that re-adding the UETR later creates a fresh transfer. It doesn't cover secondary effects such as webhook deliveries or watcher state tied to the deleted transfer.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.