Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint=false, and idempotentHint. The description adds a genuinely useful behavioral disclosure: 'Final rank is determined at settlement,' implying the quoted result is provisional and not the final outcome. This goes beyond what the annotations alone communicate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.