Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, and openWorldHint=false, so safety is covered. The description adds two pieces of context the annotations cannot express: that inputs must be non-sensitive, and that the result is documentation-only and not an eligibility determination — an important constraint on how to interpret output.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.