Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and open-world, so the safety profile is covered. The description adds real value beyond them by naming the validation method (mod-89 checksum) and disclosing that a signed XDR-1 receipt is produced, though it does not say what happens when the checksum fails.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.