Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety bar is met; the description usefully reinforces that it takes no payment and creates no reservation, clarifying it is a handoff rather than a transaction. It also adds response-handling context (cards, caveats), though not auth or rate-limit traits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.