Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (destructiveHint=true, idempotentHint=false, readOnlyHint=false, openWorldHint=true). The description adds meaningful context beyond that: it specifies optimistic concurrency, says wallet membership and permissions are reused, and explicitly notes that provider access is never granted. It stops short of describing what gets destroyed or what the return behavior looks like.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.