Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, non-destructive and closed-world, so safety is covered. The description earns credit for disclosing what the call actually returns (name, timezone, brand colour, greeting, budget, onboarding state), which annotations cannot convey and no output schema supplies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.