Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly=false, destructive=false, idempotent=false), so the bar is lower. The description still adds real behavioral value by disclosing the state transition: the notification is hidden and later returns unread at the top of the bell, telling the agent the effect is reversible and where it resurfaces.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.