Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only state readOnlyHint and openWorldHint; the description goes well beyond them by disclosing the 200 KB per-payload cap, the 50-error cap, the refusal to fetch remote $refs, and the billing rule that failed calls are free. This is exactly the kind of operational context an agent needs before committing to a paid call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.