Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and openWorldHint. The description adds genuinely useful non-annotation context: statelessness, no quota/account, and the crucial trust caveat that a valid receipt does NOT prove funds moved or any business claim. That semantic boundary is valuable behavioral disclosure beyond 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.