Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=false), so the bar is lower. The description still adds real value by disclosing the required 'read scope' authorization and by describing the payload contents, which the annotations do not.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.