Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, readOnlyHint=false, and idempotentHint=false, so the basic mutation profile is covered. The description adds valuable non-schema context: the exact-quote requirement and the warning that it 'never accepts a guessed amount', which guards against amount fabrication and goes beyond what the annotations say.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.