Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructive, non-idempotent, open-world behavior, and the description adds concrete operational context: wallet funds are spent, the external transaction is irreversible, and duplicate same-MSISDN-and-amount requests within 5 minutes return HTTP 409. That is exactly the extra context the annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.