Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so the safety profile is covered. The description adds real value by enumerating what the output contains (regulation hints, handling controls, open questions) and flagging the legal-advice limitation, which is behavioral context an agent would otherwise have to infer.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.