Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Adds substantial context beyond the annotations: it can spend the workspace balance and buy real postage, insufficient balance stops submission, staging never mails, retries must reuse the same saved quote ID, and an 'authorizing'/'needs_review' response requires reconciliation. This is exactly the financial and side-effect detail an agent needs before an irreversible spend.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.