Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safe read nature is covered. The description adds behavioral context about what the price breakdown includes (medication cost, fee, shipping, discounts) and that plan durations vary by medication. This goes beyond annotations, though it doesn't discuss rate limiting or other edge behaviors, but those are in the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.