Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is fully covered. The description adds that the returned figure is composed of two components, the protocol margin and the pass-through card cost, which is real context. It says nothing about rounding, currency, precision, or how payee tier affects the take.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.