Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true. The description adds meaningful context beyond them: the authoritative data source (official FSA data), the Scottish rating scheme difference (Pass/Improvement Required instead of 0-5), and cost/billing (USDC per call, x402 or prepaid, free trial). It does not mention rate limits, pagination beyond 'limit', or result-count behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.