Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=true and idempotentHint=false; the description corroborates the non-idempotency ('Calling again generates different credentials, not recovery') and adds genuinely new context: the credentials must be saved because they cannot be retrieved later. That is real value beyond the annotation set, though it says nothing about entropy/format guarantees or whether anything is persisted server-side.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.