Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, openWorldHint), and the description meaningfully adds the return payload (hierarchy, heading, text capped at 50,000 chars, last-amended date, official URL), the data coverage, and the x402 payment model where failed calls are not charged. The payment/charging behavior is important context an agent cannot get from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.