Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this read-only, idempotent and non-destructive, so the safety profile is covered. The description adds genuine domain context beyond them: which deposit type is capped in each nation (England both, Wales holding only, Scotland and NI tenancy only), which tells the agent what the result will and will not contain. Return shape is covered by the output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.