Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description adds real context beyond them: 'Free, no key' discloses auth/cost expectations, and it previews that the response includes duties covered plus what is still missing.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.