Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, idempotentHint=true, openWorldHint=true), and the description adds genuinely new behavioral context: credits are charged only on success, a retry with the same quote_id returns the same job, the quote is verified against the card, and full auth requirements (OAuth via host prompt or API key header with signup URL) are disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.