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 value by describing what comes back: every common written form, the plain-English name for midnight/noon, and the chart hour. That last part overlaps somewhat with the existing output schema, keeping it just short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.