Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already carry readOnlyHint and idempotentHint, so the 'READ ONLY' prefix is largely redundant, but the description adds real behavioral context: it returns the likely next step plus a linked guide, and it explicitly declines legal-effectiveness judgments. That limitation is valuable and unavailable from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.