Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so the bar is lower. The description adds useful context beyond annotations: no API key is needed, it is safe to call immediately, and it explains the relationship between guide-listed tools and tools/list.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.