Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, non-destructive, closed-world), and the description adds material context they cannot: a 10-credit cost, the closing-by-default vs opening behavior, the 2023-2025/6-book data boundary, and a compliance rule against computing stakes, payouts or recommending bets. That last constraint is genuinely decision-relevant and unobtainable from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.