Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the read-only, idempotent, non-destructive profile, so the bar is lower, yet the description adds real behavioral nuance: the Cyprus conditional 60-day rule is flagged only when you're not 183+ resident elsewhere, ratings are safe/warning/triggered, and it frames the output as early-warning day math rather than tax advice. It does not discuss pagination or limits, but for a computation tool that is minor.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.