Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/non-destructive, so the safety profile is partly covered, and the description usefully adds the donor-side flow (Gift Aid, optional tip, card payment) and that amounts remain the donor's to change. It says nothing about the link's lifecycle, persistence, or expiry, and notably never asserts the write implied by the tool name.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.