Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide little behavioral signal, so the description carries the burden. It adds meaningful context: 10-year BODACC lookback, reporting when source coverage is insufficient, normalized low/warning/high/unknown levels, and explicit caveats that this is not a credit score or legal opinion. No side-effect statement, but the tool is clearly a detection/read-style service.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.