Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint=false, so the description's burden is lighter. It adds valuable behavior beyond annotations, including the $0.03 pricing, the prepaid x-credit-token header option, the 1-free-call-per-day limit, and the fact that no wallet or API key is required.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.