Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnly and non-destructive behavior. The description adds valuable context by noting data is 'source-dated,' 'active,' and that rent-to-price is a 'derived asking-price ratio, not observed income, net yield, valuation, forecast, ranking, or recommendation.' This prevents misinterpretation beyond what annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.