Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnly/non-destructive safety, and the description adds genuinely new behavioral context: the empty-list-vs-error distinction for missing months, no authentication needed, no cost, and a source attribution. It does not describe pagination or result ordering, which are the only meaningful gaps for a read-only lookup.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.