Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safety profile is covered; the description adds real value beyond that by disclosing the return shape (field_id, field_type, name, options) and the keying relationship to form-entry responses. For a read-only listing tool this is close to complete, missing only pagination/volume behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.