Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, closed-world behavior, so the bar is lower. The description adds genuinely useful non-schema context: the $0.001 per-call x402 cost, plus the half-open interval and weekend/holiday exclusion semantics for business days. It does not contradict any annotation, though it says nothing about error behavior for invalid or reversed date ranges.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.