Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint) and scope (openWorldHint), so the bar is lower, but the description goes further by disclosing meaningful lookup behavior: case-insensitive matching, exact-match priority, unique-substring fallback, and that ambiguous names are reported rather than guessed. That is real behavioral context not present in the schema. It stops short of describing not-found behavior or date defaulting.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.