Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld and non-destructive, so the safety profile is covered. The description adds value beyond that by disclosing the return shape (multiple candidate codes with descriptions and base duty rates) and that the call is not billed, which matters for planning.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.