Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint, idempotentHint and non-destructive behavior, so the bar is lower. The description adds genuinely new behavioral context beyond them: the quota cost ('counts as one job toward the monthly allowance') and that the full description is returned, which an agent should factor into call budgeting.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.