Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, non-open-world), so the description earns credit for adding context they don't: 'FREE during validation. No key, credits or wallet' discloses pricing/payment behavior, and 'Existing source and input limits apply' flags limits. These are genuinely beyond what the structured annotations convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.