Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false, idempotentHint=false and openWorldHint=true, so the description's job is supplementary. It does add real value: 'WRITE' flags mutation up front, 'changes nothing existing' confirms the operation is purely additive, and 'POST /lists' names the underlying endpoint. It doesn't cover duplicate-name behavior or what happens on failure, but against the annotation baseline this is solid.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.