Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the bar is lower; the description still adds real value by disclosing immutability semantics, the head-vs-snapshot resolution rule, and that the payload contains complete skillMarkdown plus metadata.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.