Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover destructiveness and idempotency, but the description adds a crucial operational constraint: deletion only succeeds for accounts with no transactions. This goes beyond the annotations by explaining the failure condition and suggesting fallback actions, which is valuable context not captured elsewhere.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.