Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive nature. The description adds context by clarifying it does not charge money and that payment vs. placement are separate stages, which goes beyond the annotations. It could further describe the meaning of 'state', but with output schema present, this is sufficient.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.