Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and readOnlyHint=false, so the danger signal is partly redundant, but the description adds real value: replace-all semantics (all existing sets are discarded, not merged) and that payload is sent verbatim. These specifics go beyond what the structured annotations convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.