Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, openWorldHint=true, and idempotentHint=false, but the description adds the reason the tool is not read-only: it 'counts against the monthly AI allowance,' which is important cost/billing context an agent would not get from structured fields. It also explicitly states the absence of side effects ('saves nothing and schedules nothing'), which prevents an agent from assuming a plan is persisted. Non-idempotency and the external AI call are not spelled out, but the annotation already flags openWorld.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.