Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and non-destructive, so safety is covered. The description adds real value by disclosing the three outcome states and that a rejection reason accompanies a rejected status, telling the agent what result shape to expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.