Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, closed-world and non-destructive, and an output schema exists, so the bar is lower. The description adds the useful behavioral point that results are a snapshot of what is in force vs pending at a date, but nothing about ordering, granularity or date-boundary handling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.