Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the bar is lower. The description still adds real value: 'Instant, no ledger call' discloses the lookup is against a hardcoded issuer list rather than a live ledger query, which explains latency and failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.