Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), so the description's added value is real: it discloses that results are live checkout rates including GST sourced from carrier and shipping-rules apps, and mandates mentioning free pickup. It stops short of describing latency, failure modes, or what happens with unsupported postcodes, but adds meaningful context beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.