Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only establish read-only/no-destructive. The description adds material behavior: an authentication and active-plan requirement, a known data gap for category-specific fees, and the upstream sources (G-1055, 89 FR 6194). It does not disclose rate limits, pagination, or error behavior, but the additions are substantive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.