Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=true, openWorldHint=true, idempotentHint=false), but the description adds substantial non-structured behavior: it is a paid x402 tool, an unpaid call returns a structured payment_required challenge rather than fabricated data, a refusal refunds the debit, refusal codes follow a published taxonomy, and results require polling /v1/resolutions/:id until horizon_end. These are genuine operational facts an agent needs and cannot get from the schema or annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.