Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly and idempotent hints, so the safety profile is covered. The description adds valuable behavioral context by specifying the model (Black-Scholes, European) and the units for each Greek (per 1% vol, per day, per 1% rate), which clarifies output semantics beyond what annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.