Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint, idempotentHint, and non-destructive behavior. The description adds meaningful behavioral context beyond those annotations: the fetched card is untrusted peer content, locker bodies are excluded, and the city does not fetch the optional link. This is genuinely useful disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.