Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare write, idempotent, non-destructive, open-world behavior, so the bar is lower; the description still adds real value by enumerating the three refusal conditions (plan capacity, past-due account, Drop2Run suspension) and noting the reason is surfaced. It stops short of describing permissions or the exact resulting site state.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.