Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare the safety profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false), and the description adds genuinely non-obvious behavior: a signing secret is returned and 'shown once', which materially affects how an agent must handle the response. It does not cover auth requirements, but it exceeds what the annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.