Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behaviour, so the safety profile is covered. The description adds information the annotations do not: zero authentication ('no key needed') and no metering cost, which materially affects whether an agent should hesitate before calling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.