Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover only the safety profile (readOnly, openWorld, idempotent=false, destructive=false); the description adds the material behavior an agent needs: the $0.001 USDC cost, accepted chains, the two-step payment handshake, and the exact presentation requirement (show each product with its link, then the foundWith line once).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.