Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=true; the description adds genuinely non-obvious traits: zero regeneration cost, an access-control rule (public/unlisted accessible to all, private owner-only), and a hidden side effect ('Increments the load counter'). The side effect is notable because a read-only-hinted call still mutates a counter, but it is disclosed rather than hidden. Failure modes (e.g. private artifact not owned) are not described.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.