Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=false and destructiveHint=false; the description adds the details that actually matter for a secret-issuing tool: the secret is returned exactly once, keys survive disconnection of this MCP session, revocation happens in the web app, and a specific permission ("Manage API keys") is required via an approval screen. It also states a safe-handling procedure (secret manager or git-ignored env file, never commit or print in chat).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.