Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover idempotentHint=true and destructiveHint=false. The description goes beyond by disclosing a $0.50 per-call cost, the compliance frameworks (EU AI Act Art. 14, KYA-OS, IETF AID), and the return format (Ed25519 envelope). These are genuinely useful behavioral disclosures not present in structured fields. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.