Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive/closed-world, so the bar is lower; the description still adds real value by disclosing the payload (methodology, limits, source links, fictional worked examples), explicitly stating "no user records," and instructing the caller to cite the canonical URL.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.