Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds genuinely new behavioral information in 'Costs 2 credits,' which is not expressed anywhere in the structured fields; it does not, however, say whether credits are charged on an invalid event_id or an empty card.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.