Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and openWorld, so the safety profile is covered. The description adds genuine value beyond them by disclosing the business requirement driving the call and that a signed XDR-1 receipt is produced; it stops short of saying what an invalid RFC yields or whether a receipt is returned on failure, but the output schema covers return shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.