Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare non-read-only, non-idempotent, destructive, open-world. The description adds real context beyond them: the phone rings within seconds (latency), it burns one call from the user's quota (the actual cost), and it does not alter the schedule (bounded side effect). That is exactly the extra disclosure annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.