Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the readOnly/openWorld/destructive annotations, it discloses a wealth of behavior: a 30 reads/subscription/minute rate limit, seven-day expiry requiring a fresh subscription/snapshot, that deleted and monitoring_changed are terminal events, that retries can replay, and that evidence is self-reported. This is exactly the value-add a description should provide on top of structured annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.