Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, covering safety. The description adds useful context about what information is returned (models, defaults, limits, credit costs), which goes beyond annotations and helps the agent understand the tool's behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.