Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the safety profile (readOnly, idempotent, non-destructive); the description adds substantial context beyond them: result-count caps, the meaning of a null `retrofit_gap` versus zero, interpretation caveats (habitable rooms are not bedrooms, changes don't prove works), UK-only scope, and that the tool is free and keyed on UPRN.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.