Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only say readOnlyHint=false, destructiveHint=false, idempotentHint=false; the description adds substantial context the annotations cannot convey: it spends credits, the price comes from get_nyc_property and is usually 3, it is free if already unlocked, it requires prior report unlock, and it demands explicit user confirmation plus honoring do-not-call flags. This is exactly the behavioral load a mutation-with-cost tool needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.