Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so safety is covered. The description adds genuinely useful context beyond them: the exact figures returned (gross, fee incl. reseller share, net before card fee, refunds), the output shapes (rows, totals, CSV), and the key requirement.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.