Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, covering the read-only nature of the operation. The description adds that it returns an HTML form and specifies the endpoint, but does not disclose other behavioral traits such as authentication requirements, rate limits, or the exact structure of the returned form. With annotations present, this is acceptable but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.