Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive behavior, so the safety profile is covered. The description earns credit by adding a real behavioral trait not in the schema: unit_cost is a bare number lacking currency, and currency_code must be fetched from get_organization_settings before stating a monetary value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.