Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so safety is covered; the description adds the meaningful authorization scoping rule that only the authenticated user's own watchlist is ever returned. It also signals the freshness/valuation context of the payload, which is genuinely beyond the annotations, but says nothing about pagination or size limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.