Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the description's job is to add what they can't: the $0.01 USDC-on-Base payment model, the fact that a 404 for uncovered ids incurs no charge, and that every figure is cited to the statistics office. The no-charge-on-miss detail is exactly the kind of cost/safety behavior an agent needs before spending.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.