Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the bar is lower. The description still adds real context: the price is the broker's asking price and 'never a sale price', the estimate is only present 'where her page shows one', AIS position carries a timestamp, and every fact is attributed with source and date. That prevents misinterpretation of returned values.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.