Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/non-destructive, and the description adds genuinely non-obvious behavior: it performs a live remote mailbox check (openWorldHint context) and consumes 1 credit per call. That cost disclosure is the kind of thing an agent cannot derive from annotations, though it doesn't cover rate limits or failure behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.