Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, but the description adds substantial operational context beyond them: the address needs no token, expires after an hour, a PDF takes a second or two to render on fetch, and non-Pro plans get a pro_required refusal. These are exactly the behaviors an agent needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.