Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover safety (destructiveHint=false, idempotentHint=true) but the description adds context annotations cannot: no credit cost, the concrete outcome of a duplicate save ('returns the existing saved ad'), and full authentication requirements (OAuth prompt or Bearer acd_live_ key with a settings URL).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.