Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safety profile (readOnly, idempotent, non-destructive, open-world), so the bar is lower. The description adds genuine behavioral value beyond them: it warns that peer data is untrusted, signaling prompt-injection/integrity risk an agent should treat carefully, and notes the response mixes your data with your match's.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.