Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover safety (readOnlyHint=false, destructiveHint=false, openWorldHint=true), and the description adds genuinely useful behavioral context beyond them: the verdict applies only to the series 'exactly as submitted,' and the service has not seen the data source, costs, survivorship, or lookahead. That is real disclosure of scope and limitations an agent needs to interpret the result.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.