Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world, so the safety profile is covered. The description adds genuinely useful behavioral context beyond that: the hard-coded assumptions (single, no dependents, 16.5% abatement) that constrain the result and the fields returned. It could go further on input limits or edge cases, but this is solid added context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.