Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden. It does disclose the core behavior: a business-day check plus returning adjacent business days. However, it leaves material questions open — whether state public holidays are factored in (only implied by 'business day in an Australian state or territory'), how the previous/next values are formatted, and behavior on weekends.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.