Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide no safety hints (all false), so the description carries the burden. It discloses a key behavioral trait: 'The key is returned once', which indicates the operation is not idempotent and that repeated calls may not succeed. It also implies a state dependency (must be paid). This adds valuable context beyond the annotations, though it doesn't cover error behavior or permissions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.