Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive. Description adds 'Read-only' which is redundant but consistent. It describes the returned content but not behavioral aspects like pagination or error behavior. With annotations covering safety, the description adds modest value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.