Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries real weight: it discloses idempotency semantics ('exact retries use the same idempotency_key') and a critical scope boundary ('No refund, payment cancellation, guarantee or money movement is authorized'), preventing an agent from misreading the refund_review remedy as an actual payout. It still omits role enforcement, valid state transitions, and error behavior, keeping it short of full disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.