Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description adds a genuinely useful behavioral fact not present in annotations: a fixed price of $0.20 per call. Annotations already cover the side-effect profile (readOnlyHint=false, destructiveHint=false, openWorldHint=false), so the remaining gap is only the return shape, which the phrase 'list differences' loosely implies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.