Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld, and non-destructive, so the safety profile is covered. The description adds genuinely new behavioral context beyond that: the headline excludes loans, income-restricted amounts, and unverified rows, conditional income and financing totals are reported separately, no income is inferred from ZIP, and no household PII is requested. What it omits is any note on freshness, coverage gaps for ZIPs with no data, or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.