Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, so the agent knows it's a safe, non-mutating operation. The description adds the exact computation behavior, which is the core of this tool. It does not mention edge cases like zero rent, but the annotation coverage lowers the burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.