Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, destructiveHint=false, openWorldHint=false), so the bar is lower, and the description usefully adds that it needs no authentication and never reads or saves account data. It also discloses a real modeling limitation — no bars, bump stops, tires, or aero load — which is context the annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.