Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the full safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description goes beyond them by disclosing the business rules that determine eligibility — profile not installed and inside the refund window — which is genuine behavioral context an agent could not infer from the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.