Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, openWorld=false), so the bar is low, yet the description adds substantial behavioral detail: the trigger day is excluded, all calendar days count including intermediate weekends/holidays, only the last day rolls, holidays use the federal-office observed weekday, and Juneteenth is included. It also discloses explicit non-goals, which prevents misapplication.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.