Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, so safety is covered. The description adds context about the specific information returned (exemptions, NFS-e, FX rules, crypto prohibitions), but does not disclose additional behavioral traits like response size, error conditions, or performance.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.