Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, the description adds rich operational context: the keyless funding model ('YOU pay from your own wallet'), explicit non-actions (never spends/holds/signs), the retirement-lane queueing behavior, the semantic distinction 'provision, not offset,' and a dated operator pause ('paused by operator order since 2026-08-04'). This is exactly the kind of context annotations alone cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.