Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and non-destructive behavior. The description adds valuable context beyond annotations: suppressed rows remain unavailable, totals are gross reimbursement before rebates, and FFS vs managed care are separated. This enhances understanding of the data and its limitations without contradicting the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.