Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, openWorld, non-destructive), and the description layers on operational facts annotations cannot express: pricing ($0.002 per call over x402 on Base), the prepaid x-credit-token header for unlimited calls, a 1 free call/day allowance, and that no API key is needed. That is exactly the auth/cost/limit context an agent needs before invoking.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.