Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, and non-destructive traits. The description adds extra behavioral context: 'no credit cost', ordering (newest first), and the shape of returned data (per-status counts, credit-reservation info, dashboard link). These go beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.