Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already disclose readOnlyHint, idempotentHint, openWorldHint, and destructiveHint=false, so the safety profile is covered. The description adds useful behavioral context by naming returned fields, noting totals and cross-company top recipients, and clarifying that results are facts rather than investment advice. It does not cover freshness or pagination, but the annotations and output schema carry much of that burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.