Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only carry the safety profile (not readOnly, idempotent, non-destructive), and the description adds genuinely new behavior: the order transitions to DISPUTED, the merchant has 7 days to answer by refunding, an unanswered dispute expires and damages merchant reputation (potentially suspending its quotes), and a verified refund resolves it. It even documents the 404 case for another identity's order.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.