Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, but the description adds genuine domain behavior: 'on-hold' is terminal, the amount is never charged, and the reservation expires after three days. That is exactly the kind of behavioral context an agent can't get from the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.