Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the description's extra value is in disclosing output shape, the graceful "says so when evidence is limited" behavior, and a cost signal. These are genuinely useful beyond the annotations, though "moderate cost" is vague with no unit or threshold.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.