Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds real behavioral value beyond the annotations: it explains that records withholding rules text carry textSources pointing at a pinned upstream file and record id, telling the agent how to interpret a partial payload.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.