Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With readOnly/idempotent annotations already covering the safety profile, the description adds genuinely new behavioral facts: hard limits (10 trips, 10 stops, 92 days, 400 day rows), that no times are taken and same-day travel requires >12 hours, and which meal types do or do not deduct. It also discloses that worksheet downloads are produced.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.