Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so safety is covered. The description adds value beyond that: it discloses that output includes days-until, income period coverage, and a generated .ics calendar file, and clarifies no income figures are computed. It does not add anything about limits or failure behavior, but for a static read-only lookup that is minor.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.