Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, but the description adds substantial value by explaining exactly what destruction entails: invoice can no longer be paid or edited, existing payments are preserved as history. Also discloses the state restrictions, enriching the annotation without contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.