Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, idempotentHint=true, destructiveHint=false), so the description's value-add is the signing requirement: it explains that the request must be signed and why (proving liveness without transmitting a credential). That is meaningful behavioral context beyond the annotations, though cadence/expiry behavior is not disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.