Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and closed-world behavior, so the safety profile is covered. The description adds non-obvious domain context: the linked=false/rule=null empty result shape and the crucial warning that rules are 'advisory conventions, not machine-enforced'. That is meaningful behavior beyond annotations, though it doesn't discuss permissions or tenancy edge cases beyond what schema covers.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.