Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false, openWorldHint=true), so the bar is lower. The description still adds real context: server-side budget hard-limits apply, per-operation results are returned, and undo availability is signalled, which is what makes destructiveHint=false credible. It does not state auth/permission requirements.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.