Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and openWorldHint=false, so the safety profile is covered. The description adds value by disclosing that output includes 'blocked collections' and 'known gaps' — behavioral substance an agent would not otherwise know. Return shape is covered by the output schema, so no penalty there.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.