Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint, and destructiveHint=false, and the description still adds substantial behavior: concurrent execution across registers, the specific data sources queried, the enumerated verdict values (APPROVED/FLAGGED_FOR_REVIEW/REJECTED), the audit trail, single round-trip semantics, and cost/rate-limit terms ($0.010/call after 5 free/day). Pricing and quota are exactly the kind of operational context annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.