Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent, non-destructive, but the description adds genuine behavioral context beyond them: the call does not repeat the write's effect, and a pending/unknown status must not be read as failure. That is useful, non-obvious operational guidance. It stops short of describing the receipt's fields or possible status values.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.