Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish that this is a non-readonly, non-idempotent, non-destructive mutation. The description adds useful context beyond that by saying it promotes a temporary receipt into receipt storage and 'Applies immediately,' clarifying that the operation is an immediate state change.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.