Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=false), so the bar is lower. The description still adds two non-obvious traits the annotations do not: the call refreshes training status (a side effect on a read-flagged tool) and it 'does not charge again,' which is real billing context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.