Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/non-destructive, so the bar is lower; the description adds genuinely new information by declaring no payment and no signing required ('free and keyless, nothing to sign'), which is not encoded in any structured field. It stops short of describing failure behavior for an unknown id.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.