Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the operation read-only and non-destructive, so the bar is lower; the description goes further by disclosing the specific error code, the fail-closed posture, and that no transaction steps are produced. This adds meaningful behavioral context not available in the annotations alone.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.