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 still adds non-trivial context beyond them: "Cheap" signals cost/priority, "paginated" tells the agent results are chunked, and "including website plans" clarifies what content is surfaced.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.