Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so safety is covered. The description adds real semantic context beyond that: what the payload contains and the non-obvious null semantics for invoice_schedule (null = freelancer chooses cadence), which an agent cannot infer from the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.