Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide only basic hints (readOnlyHint=false, etc.), but the description adds crucial behavioral details: input/output limits (24,000 chars, 1,024 tokens), text-only modality, no streaming, authentication via x402 payment ($0.05/call). No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.