Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the bar is lower. The description still adds real value beyond them by disclosing that the return is a private download endpoint rather than the image itself, and that the same Bearer credential must be reused.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.