Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered. The description goes further by disclosing the units convention, that negative fees are rebates, and what artifacts come back (results, conditions, assumptions, editable link, share page, PNG) — meaningful behavior beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.