Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate idempotency and non-destructiveness, but the description adds valuable behavior beyond that: it reveals the prerequisite (at least one passed activity), the exact outputs (accumulated rewards, passport_url, owner_message), and the nuance that passing all three activities yields a full result. This gives the agent useful behavioral expectations beyond the structured hints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.