Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare this is a non-read-only, non-destructive, non-open-world operation. The description adds high-value behavior the agent cannot get elsewhere: the api_token is returned and shown only once, must be stored, and is consumed as an 'Authorization: Bearer' header. This one-time-secret and credential-handling disclosure is exactly the kind of context annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.