Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false), so the bar is lower, yet the description still adds real context: the payload is 'bounded' (matching the 4096 maxLength), it returns a 'resumable conversation handle', and content 'is not relayed to other visitors'. This exceeds what the annotations convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.