Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description fully carries the behavioral burden and does so thoroughly: the key appears only once, admin is required, quotas are disclosed (10 active keys, 20/hour), expiry produces 401 key_expired, credit reservations are explained, and scope side effects like spending credits are spelled out.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.