Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint, covering safety and idempotency. The description adds behavioral context by specifying that the tool returns 'household counts with cost burdens, overcrowding, and housing problems', which is not in annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.