Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the mutation profile (readOnly=false, idempotent=false, openWorld=true), and the description adds real beyond-schema context: a signature requirement, a receipt id on success, and an out-of-band signing path. It stops short of describing what happens after submission (review, voting, rejection) or failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.