Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/openWorld/non-destructive, so the bar is lower. The description adds genuinely useful contract context by naming the returned fields (claim window, SLA, refund promise, 30-day record, reviews), which tells the agent what it can rely on.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.