Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower, and the description still adds a genuine constraint not present in structured data: Northern Ireland postcodes are excluded. It also notes that GB postcodes are treated as identifying their area, which is non-obvious behavior for a text search.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.