Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish a safe read (readOnlyHint, idempotentHint, destructiveHint=false), so the bar is lower. The description earns credit by disclosing that only the *active* revision is returned (older revisions are not), that content is human-authored verbatim text, and that this resource is immutable via the assistant.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.