Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint=true, destructiveHint=false) and world scope, so the bar is lower. The description still adds genuine value by disclosing the returned metrics (count, total value) and that values are expressed in the account currency — information not available anywhere else since there is no output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.