Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior. The description adds the valuable behavioral context that the call is free, which is not captured by annotations. It also clarifies the scope ('for this account'), adding practical meaning beyond the structured metadata.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.