Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, openWorld, non-destructive), and the description adds substantial behavioral context on top: pricing (US$0.001 per call), a free-tier limit (3 calls/day), no account requirement, and hard input (4,000 chars) / output (256 tokens) bounds. These cost and quota details are exactly the kind of context annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.