Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=false, idempotentHint=true, destructiveHint=false, openWorldHint=true), so the bar is lower. The description still adds real context beyond them: the operation costs credits ('paid', 'credit caps'), it explicitly does not publish, and it only produces original generated images.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.