Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/non-destructive, so the safety profile is covered. The description adds real behavioral context beyond that: VAT is stripped before GP is computed because 'UK hospitality measures it' this way, which explains the internal calculation order an agent could not infer from the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.