Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false, and idempotentHint=true, so the safety profile is partly covered. The description adds valuable context beyond annotations: it clarifies that rejecting a proposal does not change the plan and that credits are already spent (non-refundable), and it states the authorization scope. It does not describe the response shape, but that is minor for a simple state-change tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.