Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safe read-only/idempotent profile, so the bar is lower; the description nonetheless adds behavioral detail the annotations lack: alphabetical ordering, default page size of 25, and that results are catalog entries rather than per-member records. It does not discuss rate limits or pagination termination, but the essentials are covered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.