Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive), so the bar is lower, yet the description adds non-structured behavioral facts: it is a paid call (~$0.01), results are ephemeral until saved, and there is a recoverable setup-refusal condition. These go well beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.