Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the description's job is to add non-obvious behavior, and it does: the api_key is returned only once on approval, so losing it matters. It does not describe the pending/denied response shape, which is the remaining gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.