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 still adds real information beyond them by disclosing the state machine the call returns and that failures include a reason ('why it didn't go through'), which an agent could not infer from the annotations or the single-parameter schema. It stops short of saying which states are terminal or how polling should be paced.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.