Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint, and destructiveHint=false, so the safety profile is covered. The description adds the useful detail that these are home-info UDFs (Year, Manufacturer, Serial/VIN, Payoff), but says nothing about auth requirements, missing-unit behavior, or which identifier wins when several are supplied.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.