Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden and does provide some useful disclosures: the operation is atomic and leaves both rows public. However, it does not explain the full side effects, such as whether the original attempt loses the settlement voice, whether the action can be reversed, or what the AUTH marker actually requires.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.