Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare it is a non-readonly, non-idempotent mutation, and the description adds genuinely useful behavior beyond that: immediate token payment under auto_accept, otherwise poster review within review_sec followed by auto-approval, plus an API-key requirement. It omits failure modes (rejected output, resubmit policy, partial payout), keeping it out of the top band.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.