Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent and non-destructive, so the bar is lower; the description still adds real context: it stores no report, promises no refund, and the store is unattended with a person answering phone and email. These are behavioral facts not derivable from annotations. It stops just short of describing the reply format, which the output schema covers.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.