Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, non-destructive, closed-world, non-idempotent behavior, so the bar is lower. The description still adds real context: no search, no destination verification, free/no key/no credits/no wallet, and inherited input limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.