Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare non-read-only, idempotent, non-destructive, so the safety profile is covered. The description adds real value beyond that: the side effect (update alerts to the user) and the constraint that the plan's watchlist limit applies — neither is in the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.