Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the readOnly/destructive annotations by disclosing pagination mechanics (page/pageCount, up to 50 top-level members), that Client child lists are complete and not separately paginated, the meaning of direct=true, and the nullable Client reference. These are behavioral traits nothing else in the structured fields conveys.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.