Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=false), so the bar is lower, and the description still adds a full state machine that annotations cannot express. It discloses that payment instructions may be embedded in the result, that a wallet link is a one-time prerequisite, and that exact-amount sending is required before verification.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.