Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, closed-world), so the bar is lower; the description adds real semantic guarantees about aggregation ('never sums repeated snapshots', 'never treats missing metrics as zero') that an agent cannot get from the schema or annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.