Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint=true and destructiveHint=false, so the agent knows it's safe. The description adds useful behavioral context about what the summary contains (hours, budget, expenses, mileage) beyond the annotations, though it could mention that no data is modified.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.