Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the description doesn't need to restate safety. It adds real behavioral context beyond the annotations: the default window, the 120-day cap on ranges, the state enumeration, and the 'unscheduled' bucket for cards awaiting a day.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.