Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=false, so the safety profile is covered. The description adds useful context beyond that: the return payload ('full text content + metadata for the AI to cite') and a concrete failure warning (expense ids are never sheet row numbers because rows shift), which is genuinely non-obvious behavioral information.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.