Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, non-destructive, closed-world), so the description adds real value beyond them: it discloses that the full body is returned and that bodies contain {first_name} and {company} placeholders substituted per recipient at recording time. That materially affects how an agent should present or reuse the content.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.