Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the agent knows it is a safe read operation. The description adds valuable context beyond these hints by specifying that no access code or personal info is needed and enumerating what it does NOT access (property, production, valuation, private records). This helps the agent set expectations about the tool's limitations and side effects. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.