Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and closed-world, so the safety profile is covered. The description goes beyond them with genuinely useful operational facts: delimiter auto-detection, quoted-field handling, deterministic output, and a stated cost of 1 credit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.