Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, closed-world), so the bar is lower, yet the description still adds real behavioral context: the call is free, it returns only active providers, and pending applications gate on owner/administrator authorization. That auth-condition disclosure is genuinely useful for an agent deciding whether the call will succeed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.