Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds genuine value beyond that: it discloses the business policy that all US ZIPs are eligible and that posting triggers contractor bidding, which prevents an agent from treating a 'false' result as a hard block. It does not cover error behavior or what 'guidance' text contains, but that is largely the output schema's job.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.