Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, openWorldHint), so the bar is lower; the description still adds real behavior: exact file names rank first and it can surface very recently uploaded files. It does not discuss pagination, result limits, or licensing/rate constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.