Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, non-destructive and openWorld, so the bar is lower. The description still adds real value beyond them: scripts/styles are dropped on html→md (a data-loss disclosure), the tool is free, and errors surface via isError without charging.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.