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So what should be in the title tag? The name of your business or web site with the "keyword phrase" you are targeting. For example, your business sells "watches". This is a broad search term and using it alone my not work out for you. There are 42,500,000 estimated search results in Google. However searching for the term "Swiss watches" I get 2,760,000 estimated results. The likelihood of your site appearing in the first 3 pages of Google is much more realistic using "Swiss watches". This is better website optimization. Plus, the keyword "watches" is still present, so you are actually targeting both terms.
Here is a good title tag using this example:
Keep it short and to the point. Targeting too many keywords can "thin out" your website's relevance.
2: The DESCRIPTION Meta Tag
Here is an example description meta tag which should appear in-between the tags of your web page(s):
A Description of My Business.">
The description meta tag is less important for search engine optimization, but it is still utilized by the search engines. Google for example, will use the web pages body text, image alt tags, and yes even portions of the description meta tag will show at times. The body text and alt tags will be discussed later on in these articles.

So in my opinion, it is important enough to use. The best way to use it is to place your keyword phrase inside this meta tag "once", then split up the phrase and add the keywords again separately. But keep it readable, and avoid too many comas. This is bad SEO and can be viewed as "spam". Your site could be black listed and ignored by SE's all together. Also, use two sentences maximum and avoid "sales pitches" like "The best shop ever", and so on.

Here is a good description meta tag targeting the term "Widget tools" from the example above:

Widget Tools from MyGreatWidgets Inc. Browse through our large selection of widget software and tools.">

Notice that "Widget" and "TOOLS" appear twice, but the second time is split with the term "SOFTWARE" (widget software being a secondary targeted keyword phrase)....continous..