Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint=true, openWorldHint=false), so the bar is lower, and the description still adds real behavior: it discloses which fields are matched (names, who each is for, tab names) and the ranking rule (free versions first when one exists). That ranking detail materially changes how an agent should interpret result order and is not in any structured field.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.