Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly=false, destructive=true, openWorld=true, and idempotent=false. The description adds genuinely useful non-obvious behavior beyond the annotations: 'Returns a webhook secret on first creation only' — an actionable disclosure (capture the secret at creation; don't expect it on update). It could add what exactly is overwritten/destroyed on update, but with annotations present the bar is lower and this clears it.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.