Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (write, non-idempotent, non-destructive, closed-world), so the bar is lower. The description adds real value beyond them: it discloses that buildings are appended to the renter's persistent saved list and that the return is a shareable /my-list?s=... URL with compare/AI Read/tour features. It doesn't warn about duplicate entries on repeat calls despite idempotentHint=false.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.