Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safe-read profile is covered. The description adds useful context about what is returned (purpose, access state, inputs, next action), which is behaviorally informative. Annotations carry much of the safety burden, and the description complements them well.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.