Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark read-only, idempotent, non-destructive, closed-world, so the safety profile is covered. The description adds substantive behavior: index publications lag, unpublished months fall back to the latest published index, and the result explicitly flags that fallback. It also declares the return payload (damages, breakdown, index figures with dates) even though an output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.