Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare idempotentHint=true, destructiveHint=false, and readOnlyHint=false, but the description adds genuine context beyond them: this is a two-phase request that requires the other party's approval before it takes effect. It also discloses a specific edge-case outcome (the response returns incoming_request and no acceptance occurs), which is real behavioral value not derivable from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.