Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Adds substantial context beyond the annotations: the URL must not be opened, fetched, or followed by the agent (it is for the customer's own browser) — a non-obvious behavioral constraint the annotations do not express. It also explains the deposit_taken outcome and that the balance is due at the visit, clarifying the business state behind the readOnlyHint=false annotation. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.