Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations (readOnlyHint=false, destructiveHint=true, openWorldHint=true), the description adds real operational context: the action is paid, it requires a 'signed wallet invocation,' and a delivered replay is free/idempotent. That payment and idempotency context is exactly the kind of detail annotations cannot express. It stops short of explaining what is destroyed or the failure modes for a partial payment.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.