Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, closed-world), so the bar is lower; the description still adds the useful edge case that a null card means no applicable Mandarin target. It also restates card contents (pinyin, meaning status, parts, alternatives) that the output schema likely already documents, which caps the credit slightly.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.