Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, closed-world), so the bar is lower. The description adds meaningful behavioral context: it discloses that output includes sources and premises and that the estimate is neither a salary proposal nor a substitute for a collective agreement, which a caller needs to interpret results responsibly.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.