Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With destructiveHint and idempotentHint already declared, the description adds real value: it discloses that the service verifies ownership and per-item fulfillment cutoffs, and that it 'returns actual refund state' rather than a canned acknowledgement. It doesn't restate irreversibility explicitly, but the eligibility/cutoff disclosure is the more useful non-obvious trait.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.