Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, openWorldHint), so the bar is lower. The description adds genuinely useful context by disclosing that the payload is a referral link ('as a disclosed referral link'), which tells the agent the output is promotional/third-party rather than data.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.