Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare non-destructive, idempotent, open-world, and not read-only, and the description adds the crucial behavioral fact that it never signs or submits and needs caller approval. That clarifies the prepare-only boundary beyond what the structured hints convey, though it says nothing about failure modes, expiry, or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.