Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only/idempotent/non-destructive behavior, and the description adds meaningful policy context: it only produces a first-party handoff, must not collect sensitive data, and must not conflate a purchase with funding. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.