Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses one valuable trait — the transfer is SERVER-SIDE and the value never enters the conversation — but says nothing about required permissions, whether the source secret is retained or removed, idempotency, or failure behavior for a mutation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.