Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld, non-destructive), and the description adds genuinely new behavior: null for unstated fields rather than invented values, and a per-call cost of 0.025 USDC across five chains. This is exactly the extra context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.