Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent, non-destructive, and closed-world behavior, so the bar is lower. The description still adds real value by disclosing the authentication requirement ('with a key' vs. without) and enumerating what the response covers (available tools, gated tools, sign-in/claim path), which goes beyond the structured hints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.