Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and a closed-world scope, so safety is covered. The description adds genuine value beyond them by disclosing the output's nature: a partially-filled checklist template, not an automated scan — which sets correct expectations for the agent consuming the result.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.