Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond annotations (which already indicate non-read-only and idempotent), the description discloses important effects: 'Approving releases the operator payout,' 'Disputing... the operator is then allowed to resubmit,' and the auto-approval fallback. These are behavioral consequences not captured by the annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.