Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate destructiveHint=true and readOnlyHint=false, and the description complements this by adding that authentication is required, the tool returns an intake ID and estimated review time, and that a licensed US provider reviews the intake. This extra context is valuable beyond the annotation flags, though it doesn't elaborate on state changes or side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.