Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, idempotent, closed-world), so the bar is lower; the description still adds real context beyond them by declaring the operation is free, incurs no payment, and makes no network request. It stops short of describing the shape of the returned price values.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.