Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description adds genuinely useful behavioral context not in the annotations: 'Free: does not use a request,' which matters for quota-awareness. It stops short of describing return format/pagination but no output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.