Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, and openWorldHint=false, so the safety and side-effect profile is fully covered by structured data. The description adds that the payload is the raw received message (headers plus both bodies), which is a mild extra. With an output schema present and annotations doing the heavy lifting, no further behavioral disclosure is required, so this sits at baseline.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.