Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Although annotations already declare readOnlyHint and openWorldHint, the description adds genuinely useful behavior beyond them: the pagination contract (returns has_next_page + next_cursor, and how to pass next_cursor back) and the credit cost model (15/user, min 15, waived on bulk). These are operational details the agent cannot infer 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.