Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already fully cover the safety profile (readOnly, idempotent, non-destructive, not open-world), so the bar is lower. The description still adds value by disclosing the shape of the returned transcript (message, status, reply, proposed/changed content), which goes beyond what the annotations provide. It omits any mention of pagination limits, which live only in the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.