Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With readOnlyHint, openWorldHint, and destructiveHint already provided, the description adds valuable extra behavior: the closed-gate failure mode and the fact that no approval or transaction is returned. This goes beyond the annotations and helps set expectations, though it does not explain why or what happens on success.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.