Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive). The description adds real value beyond them: it discloses the limitation 'No SMTP probe' and the per-call cost (0.005 USDC via x402 across named chains), which materially affects invocation decisions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.