Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already communicate read-only and idempotent behavior, so the description's job is lighter. It adds valuable behavioral context by disclosing that validation is offline, does not perform bank lookup, and is limited to format and checksum rules—important because agents might otherwise expect registry or bank verification.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.