Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the description is free to add behavior: the exact output content and the period-over-period comparison, plus the non-obvious policy that the agent must explain limits and never offer purchases. It stops short of describing defaults or error behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.