Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already flag destructiveHint=true and readOnlyHint=false, so the safety profile is covered. The description adds substantive behavior the annotations don't: the held amount is released in full and cancellation is impossible once generation has begun, which tells the agent exactly what state change and failure mode to expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.