Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, non-destructive, open-world behavior, so the bar is lower. The description still adds real value by disclosing the ULTRA plan gate, the id-space range, and the warning that these matches generally don't exist in the live tables, which is behavioral context an agent could not infer from the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.