Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world behavior, so the safety profile is covered. The description adds real value beyond that by explaining how output varies by content type: guides give a summary, templates include a blank template plus worked example and editable file link, and calculators return method, input fields and a computed example.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.