Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive). The description adds genuine context beyond them: the estimate is after taxes, health insurance, weeks off, and utilization, that presets are shared with compare_contract, that all inputs are overridable, and the 'not tax advice' caveat.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.