Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations supply the safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=true), so the bar is lower. The description does add one genuinely useful behavioral detail beyond the annotations: the '-A' wildcard means ALL changes are staged, not a subset. It stops short of saying whether staging is reversible, what happens to the index afterward, or whether the project must already exist.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.