Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (read-only, idempotent, non-destructive, closed-world), so the description's added details are what matter: it aggregates 'from every box score' and states the cost of 5 credits. Those are useful behavioral facts beyond the annotations, though it could say more about defaults or output shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.