Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so the description's job is supplementary; it does add the credit cost ('Costs 1 credit') and the public-data scope, both concrete traits not present in annotations. It stops short of saying what happens for private, suspended, or nonexistent handles.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.