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; the description still adds real behavioral context by disclosing cost ($0.10), an API-key requirement, and the trip-status filter that governs what is returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.