Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=false). The description adds substantial context beyond that: platform reads the keychain, three distinct failure codes (keychain_not_authorized | keychain_expired | keychain_limit_too_low), the post-success state pull_mode = tempo_keychain, who pays gas, and that no further signing is required. This is exactly the behavioral disclosure 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.