Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so the safety profile is covered. The description usefully adds auth and cost context ('Requires an API key; counts against your plan's request quota'), which is real behavioral information beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.