Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=true, and the description adds context about the rulings being official Wizards content with dates, and emphasizes the risk of hallucination. This goes beyond the annotation by describing the nature of the data and the recommended quoting behavior, though it doesn't detail the exact response structure (covered by output schema).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.