Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already establishes the safe-read profile, and the description adds value beyond it: the free-tier boundary, the premium exclusion, and that a second death is included when a spouse exists. These are behavioral facts not encoded in annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.