Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive), and the description adds genuinely new behavioral context: no payment/charge/account is ever involved, the output is a proof-of-information rather than the paid analysis, and unsupported capabilities return 'unavailable'. This is exactly the extra context the low-bar-with-annotations case rewards.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.