Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only say it is non-read-only, non-destructive, and idempotent; the description adds what those hints cannot: revert semantics tied to collateralization, an ownership precondition, the max_uint256 restriction, and on-chain version auto-detection with an override. This is exactly the extra behavioral context a caller needs before building a transaction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.