Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint and idempotentHint, and the description adds meaningful behavioral context: it returns no ciphertext, requires the namespace_token, costs a specific amount, and explains the two payment paths. This goes well beyond the structured annotations, particularly around cost and authentication.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.