Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only, idempotent, non-destructive behavior, and the description adds substantial behavioral detail: k-anonymity via 5-char SHA-1 prefix, password not stored, return values (pwned, occurrence count, GO/HOLD/STOP), and pricing/auth requirements. This goes well beyond what annotations alone provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.