Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=true), so the bar is lower, and the description still adds two things beyond them: that delivery happens via in-app notification or e-mail, and that the text should be reviewed with the user before sending. It stops short of saying whether the message is external-facing/irreversible or how the channel is chosen.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.