Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, idempotentHint=false, non-destructive, so the write-profile is documented. The description adds cost behavior (spends quoted credits, never more), a single-use constraint, a 10-minute expiry, and a user-consent requirement not captured by annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.