Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (not read-only, not destructive, not idempotent), and the description adds real substance beyond them: it creates a log entry, returns duration and computed money at the current rate plus the new entry id, and guarantees no write when no timer is running. That no-op guarantee is exactly the kind of context the flags don't convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.