Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive). The description adds value annotations don't: it is materially more expensive than valuation_estimate, it is free, and it is UK-only. It does not discuss rate limits or failure modes, but cost and geographic scope are exactly the kind of behavioral context that matters here.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.