Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive, and closed-world behavior. The description adds useful context: the call is free, crypto status progresses through waiting/seen/confirmed, and the card path returns the account's current plan.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.