Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior. The description adds meaningful behavioral context beyond that by disclosing the data boundary: it will never return identifiers, exact amounts, contacts, PCI/bank data, credentials, or payment actions. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.