Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld, non-destructive), so the bar is lower. The description adds genuinely new operational context not available in structured fields: the credit cost for developer API keys (15 credits) and the no-data-no-charge billing behavior. It still doesn't disclose response size or latency for what is obviously a large aggregate payload.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.