Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations (readOnlyHint=false, idempotentHint=false) it discloses concrete operational traits: the same 6-hour lock as the web button, 25 Pro operations cost, free-mode AUTH_REQUIRED response, and the estimate=true path returning a quote with allowed=false. This is exactly the context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.