Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive, and openWorld, so safety is covered structurally. The description adds genuine behavioral value beyond that by stating no sats are spent and no listing is published, and by disclosing that it returns a prefilled draft rather than a live listing.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.