Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, non-destructive, open-world, so the bar is lower; the description still adds meaningful behavior: non-owner results are scoped to the caller (`scope: "member"`), and under a spend cap the balance reflects an allowance rather than total credits. It does not explain caching or freshness, but the key semantic caveats are disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.