Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld, and non-destructive, so safety is covered. The description adds real value by naming the returned categories (paid-claim eligibility, onboarding, active work, review blockers, payout readiness) and signalling that the record is public, i.e. no auth scoping needed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.