Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare a safe, idempotent, read-only, open-world call, so the bar is lower. The description still earns credit by disclosing business rules not in structured fields: the 1:00 PM local-time same-day cutoff, Monday–Saturday operation, and that failures return a reason when known.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.