Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (destructiveHint=true, idempotentHint=false, openWorldHint=true, readOnlyHint=false), so the bar is lower. The description still adds real context: the operation is triggered by a human pressing Send and requires a one-time token issued to the card, which tells the agent the call is not freely repeatable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.