Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered. The second sentence adds context that the returned receipt is temporary and cannot 'edit or authorize future account access,' which is genuinely beyond the annotations, but it is phrased cryptically and never explains what a 'builder's status receipt' actually is.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.