Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare a safe read (readOnlyHint true, destructiveHint false, openWorldHint true), so the bar is lower, and the description still adds real value: it warns that future retirement dates are estimates and that shipping totals and unverified stock are labelled. Those are data-quality caveats an agent could not get from the annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.