Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, covering safety. The description adds value by specifying the exact data returned (total receipts, disbursements, cash on hand, individual contributions, PAC contributions, loans), which is behavioral context beyond 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.