Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the read-only, idempotent, non-destructive, closed-world profile, so the safety bar is met structurally. The description adds genuine behavioral context by listing what each record contains and by disclosing the important caveat that a cottage's price depends on dates, which steers the agent away from trusting the returned price for cottages.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.