Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only and idempotent behavior. The description adds valuable details about what the tool returns (crash/fire flags, injuries, deaths, components, summary) and its coverage (US vehicles from ~1995 to present), which goes beyond annotation information.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.