Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is low. The description still adds a genuinely non-obvious rule: the returned list is exhaustive and absence implies exclusion, which changes how an agent should reason about the result.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.