Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, non-destructive behavior, and the description adds meaningful context: results are limited to stores with current cashback offers, the list can run to hundreds of stores, rates are excluded, and response fields such as has_gift_cards and gift_cards_url are disclosed. It also adds presentation guidance about rendering URLs as clickable links.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.