Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=false, so the safety profile is covered. The description adds genuinely useful non-annotation context: it is free (no cost), and it defines what the diff is measured against (the last commit, not live state).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.