Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already carry the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description still adds real value by disclosing data-quality behavior—decimal quantities, unknown values, source dates and incomplete coverage are surfaced rather than smoothed over, and no re-matching or balance lookup happens.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.