Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: it discloses that the HMAC signing secret is returned EXACTLY ONCE and must be stored immediately, that a human approver (not the agent) sees the secret, and that internal/loopback targets are refused. Annotations only mark it as non-readOnly, destructive and non-idempotent; the description supplies the operationally critical behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.