Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false, and closed-world, so safety and repeatability are covered without the description. The description still contributes useful behavior by labeling the receipt 'durable' and tied to a 'settled' reservation, signalling finality, but says nothing about availability lag, retention, or error behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.