Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive), and the description adds real beyond-schema context: no network calls, that EVM addresses get a checksum fix, that Solana on-curve wallets are distinguished from PDAs, and that failures return isError without being charged. That pricing/error-billing disclosure is not derivable from any structured field.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.