Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), and the description adds materially more: a cost of 15 credits, the UK-only constraint, the conditional emission rule for `price_trajectory` (only with two-plus priced snapshots), and the semantic that an empty result is a valid answer rather than an error. None of this is recoverable from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.