Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, closed-world), so the description's added value is the 'free', 'no predictions', and 'no personal data stored' disclosure plus the deterministic date-table method. That meaningfully extends beyond the annotations, though it does not spell out caching or output delivery behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.