Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare a non-readonly, non-idempotent, non-destructive write; the description goes beyond by clarifying it BUILDS an unsigned transaction (not execute) and that approval must precede it. That unsigned-vs-executed distinction and the approval dependency are meaningful behavioral context the annotations wouldn't convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.