Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered. The description adds real value by drawing explicit boundaries: it does not fetch prices, charge a wallet, or submit payment, which is exactly the confusion an agent would have for an 'endpoint builder' tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.