Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the safety profile is covered. The description adds valuable behavioral context beyond annotations: the result is cached for approximately 5 minutes, and the status can be scoped by institution. This helps the agent reason about freshness and optional filtering.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.