Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=true), and the description adds genuinely new behavioral facts: a 5-credit cost and asynchronous job semantics with a follow-up wait tool. It omits what happens on failure or whether credits are refunded, but the value-add over annotations is substantial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.