Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the safety profile (readOnly, idempotent, openWorld, non-destructive), while the description adds pricing ($0.001 per call, 10 free/day, payment-required result listing x402 options), error behavior (isError, not charged on failure), data provenance (OpenStreetMap via Photon), and returned OSM links. That is substantial context beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.