Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and openWorldHint, so the description only needs to add non-obvious behavioral context. The parenthetical '$0.005 USDC' appears to disclose a cost or fee, but it is ambiguous because it is attached to 'annual tax estimates' and is not explicitly labeled as a fee. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.