Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does disclose the essential write effect ('changes are kept'), which contrasts meaningfully with abort. However, it omits error behavior (what happens with no open transaction), whether nested/multiple transactions are supported, and whether the commit is destructive of the transaction boundary.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.