Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, idempotentHint=true and openWorldHint=true, so the bar is lower. The description still adds real value: it discloses that changes land on the user's live broker account, that null deletes a protective level, and warns against removing stops unprompted.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.