Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (readOnly=false, idempotent=true, destructive=false), so the bar is lower, and the description adds a genuine behavioral trait: the first pin requires explicit context-cost acknowledgement. That prerequisite is not encoded in the annotations and materially changes how the agent must call the tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.