Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the description's added value is its disclosure that data is returned as stored without recalculation and that a missing meter yields a tool error. That is meaningful beyond the annotations, though nothing is said about payload size or caching behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.