Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the read-only/idempotent profile, but the description adds substantial context beyond them: index fallback order (district → local authority →national), the `index_unavailable` carry receipt and no-adjustment outcome, UK-only scope, and a concrete cost of 10 credits (10p). It also flags that the -10% relisting penalty is an assumption, not a measured discount — exactly the kind of caveat an agent cannot get from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.