Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations (destructiveHint=true, idempotentHint=true), the description discloses prerequisites, the exact monitoring window under three different plan situations, the 5-minute default check interval, and the idempotent behavior on already-active transfers. This is materially more than the structured fields provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.