Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint=false. The description adds value by disclosing the output components (metrics, risk changes, contradictions, source evidence, confidence) and the 'not-investment-advice flag.' It doesn't contradict annotations and provides useful context beyond the structured hints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.