Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, openWorldHint=true, non-idempotent, non-destructive), and the description adds substantial context beyond them: invoking it charges nothing, the link is pre-tied to the key's account so no sign-in is needed, payment completes in the browser, and credits land within seconds. This is exactly the extra context 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.