Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Even with annotations (readOnly, idempotent, etc.), the description adds significant behavioral detail: the result is 'bounded,' contacts are not followed, JavaScript is not executed, and caching behavior is explained. This goes well beyond the annotations and gives the agent a clear model of side effects and limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.