Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, idempotentHint=true, destructiveHint=false). The description adds useful behavioral context beyond that: the final reply is only available 'once settled', and pending approvals are included until then. This clarifies the tool's behavior across a run's lifecycle, which the annotations do not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.