Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the safety profile (readOnly/idempotent/openWorld); the description adds the material facts an agent actually needs: it is paid ($0.01), how auth works (pass api_key, card at /pricing, or x402 flow explained in the response), and that binding get_changes/register_alert prevents a later gazette from silently retiring a value. That is substantial disclosure beyond 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.