Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only and open-world behavior; the description adds important behavioral context beyond them, including the data source, data vintage (year), granularity limits, excluded charges, pricing per successful call, payment networks, and that failed calls are not charged.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.