Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), and the description adds genuine governance context beyond them: draft status is not an approved commitment and proposed changes do not authorize line/rate/discount/due-date changes. This is useful behavioral framing for a read tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.