Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this a read-only, idempotent read, so the bar is lower. The description still adds real semantics: regional plans enumerate covered countries and absence from that list means no coverage, plus an explicit note that prices/plans are current at call time. That is genuinely beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.