Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations, it discloses the non-obvious cost ('1 credit') and the side effect that the call records the ask as one AI agent search, which is exactly why readOnlyHint=false and idempotentHint=false matter. It also enumerates what the summary-level response contains, so the agent knows what it gets before spending a credit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.