Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint=true) and idempotency. The description adds the list of returned fields but no additional behavioral traits like rate limits, auth needs, or handling of private accounts. With strong annotations, the extra value is minimal.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.