Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=true, openWorldHint=true), and the description meaningfully adds beyond them: it discloses pagination mechanics (has_next_page + next_cursor) and an explicit credit cost model (15 per user, min 15, waived on bulk). These are genuinely useful operational traits an agent cannot get from annotations. It stops short of auth or rate-limit details.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.