Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive, closed-world behavior, so the bar is lower. The description adds meaningful scope context by listing the account-free boundaries and pointing to account-requiring alternatives, which the annotations do not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.