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 description's added value is the privacy/data disclosure: 'No names, addresses, VINs or contact details are required,' plus the fact that it operates on *existing public* worksheets. Useful context beyond the annotations, though nothing on auth or scoping limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.