Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide readOnlyHint=true and destructiveHint=false, which the description does not contradict. The description adds useful behavioral context: retries, redirect evidence up to five hops, access controls, commerce risk, can_proceed, and proof. This goes beyond the minimal annotations and gives the agent a better sense of what the tool does internally, though it could be more explicit about retry conditions and output format.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.