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 meaningful context beyond them: the credit cost ('Costs 2 credits'), the ranking method, sort order, and the default active window.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.