Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, openWorldHint), so the description's added value is behavioral detail: an empty list is a valid result for businesses with no complaints, and the published_complaints/hidden_complaints split explains how BBB partitions complaints. This is genuinely beyond what annotations or the schema convey, though it stops short of describing auth or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.