Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the read-only, idempotent, closed-world and non-destructive profile, so the bar is lower. The description adds genuinely new context: the explicit cost of 5 credits and the shape of what comes back (finishes, rounds, strokes versus the field, summary).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.