Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly and idempotent hints, so the bar is lower. The description adds meaningful behavior beyond annotations: validation is offline, has no bank lookup, and uses a specific algorithm, which tells the agent exactly what this tool will and will not do.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.