Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive), so the bar is lower, and the description still adds real behavioral context: a Premium entitlement requirement, a nightly-rollup source that excludes today, and sparse output where only active days appear. The only substantive gap is that it doesn't say what happens on a non-Premium account (error vs. empty result).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.