Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, and idempotentHint, so the safety profile is partly covered. The description adds valuable behavioral context beyond annotations: the result is advisory and not verified identity, fraud clearance, or authorization to release funds, and it notes a receipt-hash dependency. This helps an agent understand the limits of the output.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.