Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive/closed-world, so the bar is lower; the description still adds real value by disclosing that the signing secret is never returned and that the address is masked, plus the caller authorization scope. 'Reading changes nothing' largely restates readOnlyHint=true but harmlessly reinforces it.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.