Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare a non-read-only, non-destructive operation, and the description adds genuinely useful context beyond them: the new key is 'shown once' and the operation still works for deactivated merchants. It doesn't clarify key lifetime, rate limits, or revocation side effects, but the shown-once disclosure is a real behavioral addition.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.