Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the bar is lower; the description still adds real value by disclosing that overview/top_pages/page_keywords hit the provider for fresh data, that only 1 domain is processed per call, and that backlinks returns a cached snapshot unless refresh:true.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.