Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations (which already declare readOnly, idempotent, non-destructive), the description adds a real cost model ($0.005), states that provider failures are not charged, and confirms no signing or broadcast occurs. That is genuine behavioral context an agent cannot get from structured fields, though return-shape claims are partly redundant with the output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.