Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the bar is lower. The description adds real behavioral context beyond structured fields: a ~24-hour data lag with daily refresh, and the caveat that 'a zero can mean not reported' due to partial platform coverage. That partial-coverage warning materially affects how an agent interprets results.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.