Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, and non-destructive semantics, so the description earns credit for added context: it discloses the required customer API access and enumerates what is omitted (notes, permissions, attachments, payroll fields). It stops short of describing response shape or error behavior, but adds real value beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.