Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, idempotent), so the bar is lower. The description adds one genuinely useful nugget beyond annotations — that the call does not consume credit — which aids cost-aware selection, but discloses nothing else about execution or scope.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.