Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the bar is lower. The description adds genuinely useful context beyond annotations: the specific outputs produced and a mandatory post-call action (surface calculator_url as a markdown link), which is behavioral guidance an agent could not infer from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.