Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, non-openWorld), so the bar is lower. The description adds the precondition relationship with update_chat_settings and the scope of returned settings, but says nothing about permissions, whether settings can be absent/empty, or any access constraints beyond what the annotations state.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.