Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark the tool as read-only and idempotent, and the description goes further by explaining that the score is a transparent sum of public-record evidence, that evidence[] carries per-fact weights, and that coverage[] documents missing inputs. It also adds the caveat that the result is heuristic and not an appraisal or offer, which accurately sets expectations beyond the structured annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.