Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds real value beyond that with an explicit exclusion list (email addresses, message content, provider IDs, payment records) and the 'bounded' qualifier on invoice summaries, telling the agent what it will not get back.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.