Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description adds value beyond them: 'Uses metered access' discloses a cost/quota trait, and it clarifies the responseFormat default behavior ('backward-compatible default returns the full brief plus compact form'), which the schema does not spell out.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.