Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the bar is lower, yet the description still adds real value: it discloses pagination semantics (nextCursor present only when more results remain), how to resume, and graceful degradation when the tracker database is unavailable. That is behavior an agent could not infer from the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.