Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, idempotentHint=false, and destructiveHint=false. The description adds critical behavior: the plaintext key is returned only once ('平文は今回だけ返します'), which is essential for the agent to store it. It also implies each call adds a new key, not a replacement. 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.