Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only give readOnly=false, openWorld=true, idempotent=false, destructive=false; the description adds the trust model (server holds no keys and no funds, relays to the same public gate any HTTP client uses), the cost profile (free, no gas, never a fee), and who signs (user's own wallet or passkey). That is substantial behavior disclosure beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.