Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations carry the safety profile (not read-only, not idempotent, not destructive), and the description adds useful behavior: the check is free, it returns two handoffs, and payment/publication should wait until readiness. It does not explain any side effects that may follow from readOnlyHint=false, so the behavioral picture remains partial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.