Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=true), and the description adds genuinely new context beyond them: the send is immediate and irreversible, and a draw admits only one bulk send. That irreversibility detail is exactly the kind of operational constraint 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.