Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, non-destructive, closed-world, so the bar is lower. The description still adds genuine value: it says the call is free and requires read scope, and it enumerates what the response contains (evidence attached to edges, vendor/cost/timestamp of pulls, last-pulled times, held date ranges, metric history). That's more than the annotations or the output schema's existence alone conveys.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.