Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/destructive/idempotent hints, so the bar is lower. The description adds the crucial consent requirement and states that the tool sends an external message to the dealer, which is a side effect. This provides useful context beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.