Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent, non-destructive, closed-world behavior, so the description's extra value is the authorization rule: 'participant keys only see their own match.' That is meaningful, non-obvious behavioral context an agent cannot derive from the schema. It stops short of 5 because it says nothing about error behavior for a non-existent or inaccessible match.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.