Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare a non-read-only, idempotent, non-destructive profile; the description goes far beyond by explaining the first-call mint-and-save behavior, that repeats don't mint vouchers, and the exact earning economics and pending state. This is exactly the mutation/idempotency context annotations 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.