Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint, so the safety profile is covered. The description adds valuable context beyond annotations: the cost (10 Zooq credits) and the fact that it returns a stable institution ID, which is useful for downstream operations. This is meaningful added behavioral and practical context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.