Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/openWorld, and the description adds real context beyond them: local paths unsupported, category matches omit recalls unless include_category_matches=true, and the tool is excluded from the free anonymous per-IP quota. That auth/quota disclosure is genuinely useful and cannot be inferred 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.