Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower, and the description still adds substantial context: credit cost, null-rather-than-estimated semantics for year_built/num_floors, which height field to use, attribution preservation, and explicit limits of what the extrusion shows. That is behavior well beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.