Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=false, idempotentHint=true and destructiveHint=false, and the description adds genuinely new behavioral facts: it consumes paid prepaid credit, charges only on verified success, and requires an authenticated ck_ principal. This billing/auth disclosure is exactly the extra context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.