Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds the valuable behavioural facts the annotations lack: jurisdiction (UK), the effective date floor, and that it returns the applicable rate alongside the check.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.