Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=false), and the description adds genuine context beyond that: the critical caveat that it 'never says an account is safe', plus cost/auth facts ('Free, no token') and the call-back-steps behavior. This is exactly the extra context the annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.