Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, and non-destructive behavior, so the bar is lower. The description adds value by disclosing that the response is an 'allowlisted project configuration' without organization ownership fields, which is a meaningful behavioral detail 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.