Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide key behavioral hints: readOnlyHint=true, destructiveHint=false, idempotentHint=true, and openWorldHint=true. The description adds value by mentioning pagination ('Returns paginated list') and the content of returns ('with status, costs, and item counts'), which aren't covered by annotations. However, it doesn't disclose rate limits, authentication needs, or error conditions, keeping the score at a baseline level.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.