Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations (destructiveHint=true, idempotentHint=true, readOnlyHint=false), the description adds real behavioral value: work already performed still incurs credits and final usage/refunds only appear after settlement. This is exactly the kind of cost/settlement context annotations cannot convey, though it omits auth or timing details.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.