Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so the safety profile is covered. The description adds the state model (pending vs anchored, returning ledger entry and batch), but with an output schema present this largely restates what the schema conveys, so it adds only modest behavioral value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.