Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true is consistent with a verification operation, so the description need not re-establish the safety profile. It goes beyond annotations by disclosing the specific checks performed (signature, spend limits, trust score) and that a verification receipt with approval status is produced, though it omits what happens on failed verification and any auth or latency requirements.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.