Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and openWorldHint=false, so safety is covered. The description adds genuine value by specifying the payload's content (formulas, sources, simplifications, limitations), telling the agent what it actually gets back rather than just that the call is safe.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.