Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare destructiveHint=true; the description carries the real behavioral load. It discloses that settlement happens in the same call, that the platform fee is deducted, that refunds go back to the buyer on rejection, that a settled escrow is irreversible, and precisely which credential types are refused — unusually rich context for a mutation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.