Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world behavior, so the safety profile is covered. The description adds only 'durable' and the 'settled' precondition; it says nothing about what happens when the reservation is unsettled, missing, or belongs to another account, nor about any rate or retention constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.