Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations only flag that this is not read-only, not idempotent, and not destructive; the description adds rich behavior: key issued once, unverified rate limits, verification path, and no re-issue for existing accounts. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.