Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: it discloses that a new report consumes one of the reader's report quota, that repeats for the same company do not, and that the call can return asynchronously with an ETA. This is consistent with readOnlyHint=false, openWorldHint=true and idempotentHint=false, and it explains the practical consequence of each.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.