Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, and the description adds value by enumerating excluded data (recipient identity, payment data, generated values, free-form content, rendered HTML/CSS) and the opt-in requirement for line items. This goes beyond the annotation safety profile, though it does not describe the output structure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.