Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, so the safety profile is known. The description adds valuable behavioral context beyond annotations: it notes that money fields are in minor units (paise for INR) and must be converted to ₹, and it states the search operates 'across all connected channels.' This goes beyond the basic read-only nature.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.