Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare non-destructive and idempotent, and the description adds useful behavioral context beyond them: a hard constraint (default reports can't be renamed) and a workflow prerequisite (read first). It does not cover permission/org requirements, but adds genuine value over the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.