Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint=false and destructiveHint=false, so safety is covered. The description adds genuinely new behavioral context by disclosing the default filter (open items only unless include_completed), which structured data does not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.