Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, and non-destructive semantics, so the bar is lower, and the description adds real value: 'No sign-in' discloses the auth requirement, and 'signed out, the moneylines only' warns that an unauthenticated call returns a reduced dataset. It doesn't mention rate limits or pagination, but the partial-data caveat is the important disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.