Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld, non-destructive), so the burden is lower. The description adds the default-instance behavior and hints at the returned aggregate fields, but says nothing about pagination, rate limits, or error behavior on unknown instances.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.