Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, non-destructive and open-world behavior, so the bar is lower. The description adds genuinely new context on cost ('Always free to call') and scoping (every group in the catalog), though it omits pagination behavior for a list-everything call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.