Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already carry the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower, and the description still adds non-obvious context: the tool 'Returns instructions to follow with the user's text', i.e. it does not itself emit the final artifact. That is real behavioral value beyond the annotations, though it stops short of describing limits or formatting of the returned instructions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.