Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide readOnlyHint=true, so safety is clear. Description adds deep behavioral context: denominator contract, interpretation of 'win' vs 'partials', that 'wins/total is not a win rate', null handling for win_rate when settled=0. No contradiction with annotations. Description adds substantial value beyond structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.