Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, and closed-world traits, so the bar is lower. The description adds genuine behavioral context beyond the annotations by specifying that mode=bank treats midsommarafton, julafton, and nyårsafton as non-business days, though it does not clarify what mode=work does differently.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.