Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses irreversibility ('permanently'), the cascading side effect ('unlinked from all transactions'), and the confirmation requirement. It omits permission/auth requirements and error behavior, keeping it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.