Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description adds useful context by specifying the dispute-related scope and the authorization requirement, but it does not disclose failure behavior or anything beyond what the schema already implies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.