Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so 'Read-only' mostly restates structured data. What the description adds beyond annotations is meaningful domain semantics: 'pending means the operator has not confirmed yet; only operatorConfirmed=true means the ride is confirmed', which the agent could not derive from annotations alone.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.