Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive, closed-world), so the bar is lower, and the description legitimately adds matching semantics ('all meaningful query terms must match'), ranking order (exact names first, then themes/keywords), and the return payload (match reasons, canonical source links). That is useful behavior 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.