Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), and the description adds information structured fields cannot carry: per-call price ($0.15 / 15 credits), that failed calls may still be billed, and payment mechanisms (prepaid credits or x402). It also discloses output semantics — nulls mean unknown, low-confidence totals need warning checks, and vat_total_mismatch is a possible warning — which directly affects how an agent should trust the result.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.