Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds the non-obvious data-scope threshold (UAH 5M minimum), which matters for interpreting results, but says nothing about the time window covered or result ordering.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.