Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnly/idempotent/closed-world, yet the description adds genuinely new behavior: month-end clamping semantics and the fact that business days skip weekends, supplied holidays, and country public holidays. It also discloses cost ($0.001 per call via x402), which no structured field conveys. It stops short of covering ordering of applied units or timezone/DST effects on hour arithmetic.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.