Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds genuinely useful data semantics beyond that: the $100,000 threshold that explains coverage gaps, and the warning that 'Missing lists are not zero; this is not total payroll' — a correctness caveat an agent would otherwise get wrong. Return shape and pagination are not described.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.