Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so the safety profile is covered. The description adds meaningful behavioral context beyond that: what the calculation accounts for (holidays, weekends, make-up workdays), what the response includes (previous/next business day), and a concrete cost of $0.001 USDC on Base via x402, which is important for call planning.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.