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 two things the annotations cannot: a 5-credit cost and the default 10-match floor for per-90 ranking, both material to invocation and result set size.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.