Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and closed-world behavior, so the bar is lower. The description adds genuinely useful non-annotated context: that a LocalSchema Pro API key must be supplied in request headers, plus an overview of what the payload contains.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.