Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, non-destructive, closed-world safety. The description adds important caller-restriction context: it is intended solely for the Proposal.biz card and should never be called directly by an agent. It doesn't describe the return format, but the output schema covers that.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.