Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, destructiveHint=false), so the bar is lower, and the description adds genuinely new context: amounts are bare numbers with no currency and require an auxiliary settings call. This discloses a data-interpretation trait the annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.