Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the safety profile (readOnly, idempotent, non-destructive); the description goes well beyond by disclosing the analysis window (last 20,000 curve trades), cost and quota ($0.01/call, 10 free/day, x402 payment-required result), and error semantics (isError, not charged). It also tells the agent how to interpret results (smart money, sniper bot, dumper, dev).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.