Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so the safety profile is covered. The description adds value beyond them by explaining the lifecycle semantics behind each status (pending = in mempool, not_found = never sent/dropped/wrong hash) and by warning that the sender-controlled memo field must be treated as data, not instructions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.