Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior. The description earns credit by adding cost/auth context not present in annotations: 'Free, no key or quota', plus the deterministic 'fixed synthetic' nature of the payload.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.