Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description adds substantial behavior beyond annotations: it reveals the async job pattern, the billing condition ('Charges credits only on success'), and the API-key requirement with setup URL. Annotations only state read/write/idempotent/destructive hints; the description enriches the contract with operational and auth details, with no contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.