Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full disclosure burden. It does contribute the caller restriction (buyer only) and the review-window timing, but says nothing about what the dispute does to task/escrow state, whether it is reversible, or the signature auth requirement, which the schema alone only hints at.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.