Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, non-destructive, closed-world behavior, so the description need not repeat safety. It adds meaningful context: amounts are current and gross, include validity date and official source, and grade can optionally limit results to one group. Error handling and pagination are not discussed, but an output schema exists, reducing that burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.