Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Adds real context beyond the annotations: it discloses the billing consequence ("Billed like a scheduled check") and an auth prerequisite ("Needs a free SnoopScan key"). Annotations already cover readOnly=false, openWorld=true, idempotent=false, so the incremental disclosure here is the cost and credential profile, which matters for a non-idempotent action.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.