Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, openWorldHint=true, destructiveHint=false), so the bar is lower. The description adds real value beyond them by disclosing the return shape (title, due date, owner, status) even though no output schema exists, plus the single-filter constraint; it says nothing about pagination limits or total-count behavior, which the schema only partly covers.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.