Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnlyHint and openWorldHint, so the bar is lower. The description still adds real behavioral value: it discloses that rows contain company names and qualifiers, and warns to check total/has_more for incomplete coverage after upstream fallback, which the annotations do not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.