Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so safety is covered. The description adds behavioral context beyond annotations: it discloses that the tool does not fabricate a rate for countries without a national rate, instead reporting a jurisdiction requirement. This is a meaningful, non-obvious behavior that an agent must know before calling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.