Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It does disclose two real traits beyond the schema: a signed request is required (auth prerequisite) and a dispute requires a note (conditional validation). It does not say what confirmation or dispute does to the entry's state, whether either is reversible, or whether a dispute is terminal, which matters for a write operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.