Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, and idempotentHint, covering safety and idempotency. The description adds value by detailing the output (cost impact analysis, eligibility criteria, duration benchmarks) and data sources, beyond what annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.