Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, so the description doesn't need to restate safety. It adds behavioral context by specifying what the tool returns (versions, category/market coverage, per-record verification, source policy, operational check links) and by providing workflow guidance about not repeating it before every seller request.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.