Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint, idempotentHint, openWorldHint=false, non-destructive), so the bar is lower. The description still adds real context beyond them: that results are limited to published plans and that the school/district option carries no numeric price because it is quoted per customer, which prevents an agent from treating a missing figure as an error.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.