Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, closed-world), so the bar is lower, and the description still adds meaningful context: it returns sources and assumptions, and the estimate is neither a salary proposal nor a substitute for a collective agreement. That caveat is exactly the kind of trust/limitation context annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.