Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: it discloses that the decision is irreversible ('a declined offer cannot be accepted later'), that repeat calls are no-ops ('a second call changes nothing and says so'), that the action is taken on the user's behalf, and the required scope 'vermittlung:zustimmen'. The irreversibility warning is material context that destructiveHint alone does not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.