Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint, idempotentHint, openWorldHint=false), so the bar is lower. The description adds real value by disclosing what the tool computes and returns (risk level, factors, recent board events), which goes beyond the annotation layer.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.