Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden; it usefully discloses that this is a state-changing acceptance that does NOT move funds, which is the key behavioral fact. It omits failure modes (mismatched or expired challenge signature), idempotency, whether acceptance can be revoked or re-issued, and any authorization/prerequisite requirements.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.