Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare a non-read-only, non-idempotent, non-destructive, closed-world write, so the baseline is lower. The description still adds two non-obvious traits beyond them: the ACTIVE-bond precondition and the fact that a claim only pays out if arbitration upholds it. It omits what filing does immediately (fund locking, whether duplicate claims are allowed).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.