Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by describing validation behavior (unknown names, unlisted options, and over-length text are refused with the reason and nothing is filled), the output artifact (a new filled PDF, editable or flattened), read-back confirmation, and reporting of still-empty required fields. It also resolves the readOnlyHint question by stating the user's original file is not changed, so the write-like operation only produces a new artifact.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.