Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The critical warning 'Full plaintext key is returned once — copy it now' is a valuable behavioral disclosure not available in annotations (which are absent). It informs the agent that the key is non-retrievable after this call, though it omits other potential consequences like old key invalidation timing or permission requirements.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.