Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the mutation profile (not read-only, not idempotent, not destructive); the description adds genuinely new behavior: a human adjudicates, the default outcome is a full refund, and it counts against the seller's Word Pass. It omits whether the seller can respond, whether the filing is reversible, and what the caller gets back.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.