Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds useful context beyond that: the tool returns a complete single record including penalty and the official regulator source link, and expects an ID obtained from a prior search. No auth or rate-limit notes, but none are needed at this level.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.