Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), so the bar is lower. The description still adds real value: it discloses the per-product deal shape (offer, optional code, claimUrl), warns that 'exclusive' is the maker's unverified claim and must be disclosed to the user, and states that deals never affect rank. Those trust and integrity caveats are not derivable from annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.