Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so the description adds value by specifying the exact data fields returned (total public debt outstanding, held by public vs intragovernmental, record date). This transparency goes beyond the annotations, though it doesn't discuss latency or frequency of updates.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.