Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so the safety profile is covered. The description still adds real context beyond that: the output is an estimate that may be a single amount or a range, the result is jurisdiction- and statute-bound, and it explicitly disclaims legal advice. It does not mention rounding, assumptions, or failure modes, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.