Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, closed-world), so the marginal bar is met by stating the cost behavior ('Free') and previewing the payload: a tagline per architecture, plus fit guidance when a format is supplied. It stops short of saying what is returned when format is omitted (all formats grouped, presumably) or how many entries to expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.