Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare a non-read-only, non-destructive, non-idempotent write, so the safety profile is covered. The description adds genuine value beyond them: it discloses the return shape ({ id }), the empty starting state, and the cost profile ('FREE: database only, no SEO data provider is called and no credits are spent') — a real operational trait an agent could not infer from 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.