Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered; the description's domain semantics go beyond that — stage buckets are exclusive (each investor counted once) and 'Raised' equals the wired bucket only, while committed/signed are promised but not received. This is exactly the non-obvious interpretation guidance annotations cannot supply.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.