Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly=false, destructive=false, idempotent=true, closed world), so the bar is lower. The description adds genuinely new behavioral context: the 100-message cap and the all-or-nothing atomicity ('If any message is not found, nothing changes'), which an agent could not infer from the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.