Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (mutation, idempotent, non-destructive, closed-world), so the bar is lower. The description adds the ownership scoping constraint ('addressed to you'), but says nothing about the side effects of accepting (e.g. joining a group) or failure modes. Adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.