Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, non-destructive and closed-world, so the bar is lower; the description still adds real substance by disclosing the rate formulas, the $1,000 per-sale minimum, and that rates are posted rather than locked. It does not describe pagination or result granularity, but the output schema exists to carry that.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.