Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, open-world behavior, so the safety profile is covered. The description adds genuinely new context beyond the annotations: the returned fields and, importantly, the $0.002 cost of the call, which is not captured in any structured field.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.