Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world, so the safety bar is met without the text. The description adds genuine behavioral value on top: it discloses that results are a merge across four heterogeneous sources and that ordering is by overdue-ness, which an agent cannot infer from the annotations. It omits pagination behavior and whether an empty result means "nothing to do" versus "no data," keeping it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.