Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and non-destructive, so the bar is lower, and the description still adds real value: it discloses the interactive-card output, that it recomputes to show current data, and a fallback to the state reference salary labeled as an example when salário bruto is missing. It also explicitly scopes out distance and quality scoring, which prevents misuse.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.