Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the description adds real value beyond them by disclosing the five-minute activity window and the API plan requirement, neither of which is in structured fields. It stops short of describing the response shape or any rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.