Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, idempotentHint=false, destructiveHint=false, and openWorldHint=true, so the description's burden is lower. It adds useful non-schema behavior: the session is created empty, it lands in the account, and the call yields a session_id the agent needs for subsequent calls. It does not say whether repeated calls with the same name create duplicates (relevant given idempotentHint=false) or what quota/permission limits apply.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.