Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the bar is lower; the description still adds real value by scoping results to the connected organization and explicitly disclaiming side effects. It doesn't cover error behavior (e.g. what happens for an inaccessible or archived id), which is the remaining gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.