Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds domain-relevant scope context the annotations cannot express: that the payload is a published methodology with exact calculation rules and stated limitations, and explicitly that it is not a valuation output. It does not cover fallback behavior when the version is absent, which keeps it at 4.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.