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 safety bar is low. The description usefully adds that the response is a summary with a link to the full overview, clarifying the scope of what is returned without explaining pagination or empty-result behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.