Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover destructive/idempotent/readOnly, but the description adds the effects the annotations cannot express: irreversibility, name and amount appearing on page and stream overlays, counting toward totals and the active goal, goal auto-completion and removal from the page, and that nothing is sent to the supporter. These are precisely the consequences an agent must weigh before a one-way action.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.