Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint and destructiveHint, lowering the bar. The description still adds useful context, noting results are 'bounded', that it is free with no key/credits/wallet, and that source and input limits apply, which the structured fields do not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.