Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so 'Read-only' is redundant, but the description adds genuinely useful behavior: the UTS #39-style confusable skeleton, that it is a curated subset, and that case and accents are ignored. This tells the agent what counts as a match and where recall may be limited.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.