Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, closed-world), and the description adds real value on top: it lists what fields come back and explicitly warns that phone and e-mail are not included but live on the linked page, which changes how an agent should plan follow-up calls. It does not cover error behavior for an invalid id/URL.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.