Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld and non-destructive behavior, so the safety profile is covered. The description adds genuinely useful context that annotations do not: a per-call cost of $0.001 USDC. It does not otherwise describe resolution precision or failure behavior, so it is a modest addition over the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.