Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only, non-destructive behavior. The description adds non-obvious behavioral context beyond annotations: it spends 1 credit and returns specific attributes such as line type, carrier, DNC status, and fraud/risk score. This is useful operational transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.