Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false and destructiveHint=false, so the safety profile is covered structurally. The description adds nothing: no statement of required permissions, whether the name must be unique, what defaults apply to an unconfigured template, or what the call returns. For a creation tool it is essentially a restatement of the name.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.