Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=true and openWorldHint=false, which the description is consistent with. Beyond that it discloses real behavioral context an agent can't get from annotations: business-day counting excludes weekends and RCW 1.16.050 holidays, dates are form DEFAULTS derived from public rules rather than NWMLS data, results flag non-business-day landings, and both the attributions array and the professional-advice disclaimer must be passed through to users.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.