Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the bar is lower. The description still adds real behavioral context the annotations cannot: it is a freemium call that returns free metadata plus payment info for a $0.01 full definition, which tells the agent the call has a paywall dimension. It stops short of describing failure modes (unknown term handling) or response shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.