Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, closed-world, non-destructive behavior, so the bar is lower. The description still adds value by disclosing that only ACTIVE programs are returned and that enrollment counts (seats taken) are included, which annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.