Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare destructiveHint=true and idempotentHint=true, but the description adds the crucial nuance that the destruction is soft: the record and its history stay readable and only balances change. It also discloses a required confirmation step, which is behavioral context no annotation conveys.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.