Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (readOnly, idempotent, openWorld, non-destructive), so the bar is lower. The description still adds value beyond them by disclosing the freshness/rate-limit constraint ('Read once a minute') and the temporal shape of the data ('change over the last hour and day').
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.