Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/no-destructive/closed-world, but the description adds real behavioral context: the signed/HMAC signature condition, the specific field set returned, and the eventual-consistency caveat that a just-issued receipt may not be fetchable yet. That freshness warning is the kind of trait an annotation 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.