Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so the safety profile is covered. The description adds meaningful behavioral detail beyond annotations: results are deduplicated across strengths and products, ordered chronologically, and include specific fields like first approval dates, TE codes, and active-product counts.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.