Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover safety (readOnly, idempotent, non-destructive), and the description adds non-obvious behavior on top: the per-call credit cost, UK-only scope, and the exact degradation semantics (unsupplied half reads `not_available` with a reason rather than empty, plus the sections_degraded signal). This is context the annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.