Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations say it is a non-destructive write, but the description adds meaning the annotations cannot: it never charges or publishes, and instead returns a resumable paid/approval handoff. That is exactly the safety context an agent needs before invoking a create tool in a monetized workflow. It stops short of explaining what a repeat call does, which matters given idempotentHint=false.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.