Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by disclosing the auth requirement (account key fh_live_...) and the exact failure mode for agent keys (owner_key_required), plus handling guidance: store as a server-side secret, never print in chat or commit. For a credential-revealing tool, that is the behavior an agent actually needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.