Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/openWorld/non-destructive, but the description adds the important privacy trait that the NIN and the person's details are never returned, plus a preview of the payload (status, next_step, products with naira prices). That is genuine behavioral context beyond the annotations, though it says nothing about how long a request stays queryable after expiry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.