Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only/idempotent/no-destruction, yet the description adds real context: despite four proof-shaped parameters in the schema, it clarifies 'no proof' is required, and it defines a hold as a letter of intent rather than a sale. 'Read-only' partly restates the annotation, but the no-proof and hold-semantics disclosures are value beyond 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.