Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, openWorldHint=true and destructiveHint=false, so the safety profile is fully covered without the description. The description adds a partial view of the payload (three named fields), which is mild behavioral value but says nothing about auth requirements, whether the caller must be the account holder, or what happens for non-sole-trader accounts.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.