Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark this destructive and non-idempotent, and the description adds what actually matters beyond them: nothing is destroyed at this step, a confirmation_token is issued, and the destructive action is deferred to confirm. It also discloses the business-rule refusal case and the auth requirement, which annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.