Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: discloses that deletion is deferred behind a confirmation token, that referenced addresses leave the address book but persist on orders/quotes, that the last address cannot be removed, that the newest remaining address becomes default, and that a signed-in account is required with a sign-in prompt otherwise. That is exactly the kind of side-effect and auth context 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.