Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only flag readOnlyHint=false, destructiveHint=true and openWorldHint=true, which tells the agent nothing about cost. The description adds the price per default call (~$0.015), the billing model, the budgetUsd cap semantics, the chargedUsd report, and the required write scope — exactly the behavioral context 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.