Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by disclosing atomicity ('all or nothing'), specific error codes (limit_exceeded, invalid_payload) and what each means, the 20-slot account limit, the 180-day ceiling, and instant application. Annotations only mark it non-read-only, so this carries real operational detail.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.