Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and openWorldHint=true, so the safety profile is covered; the description adds genuine context by disclosing the approval gate, the digest-verified stored plan, the reject-other-operation-kinds behavior before anything is reserved or applied, and the spend impact. It does not specify what error or state results when a digest mismatch is rejected.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.