Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the full safety profile (readOnly, idempotent, non-destructive), so the bar is lower. The description adds real value by enumerating what the summary contains (owned KRs due for check-in, at-risk objectives, recent activity), which is the only signal into return shape since no output schema exists. It omits any mention of scope ('my' implies the authenticated user) or how staleDays reshapes results.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.