Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=false and destructiveHint=false, so the agent knows this mutates state without being destructive. The description adds useful context that the desk works 'with the user' and coordinates third-party Partners for certificates and filing, but omits cost, commitment, reversibility, and what happens after invocation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.