Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the tool safe, read-only, idempotent, and non-destructive. The description adds valuable context: the tool returns specific fields and clarifies that 'owner info' is available only when obtainable, and that the tool is restricted to US addresses. This goes 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.