Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered structurally. The description goes further by disclosing result cardinality (exactly five), the provenance of the data ('actual transactions from a curated corpus, not modelled figures'), and a mandatory citation obligation with citeAs.text - useful behavioral context beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.