Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and no destructive operations, covering safety. The description adds valuable behavioral context beyond annotations: the list is alphabetical, not ranked, limited to 7 insurers 'we read' (implying a curated static set), and includes page URLs and summary existence flags. This clarifies output characteristics and scope, which annotations do not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.