Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so the description doesn't need to restate safety. It adds genuine context annotations cannot carry: the listing is scoped to the caller's own agents, and the call is tier-gated ('sp500+ (sample rejected)'), which tells the agent to expect an entitlement failure. It stops short of describing pagination or ordering behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.