Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, so safety and idempotency are covered. The description adds useful domain behavior ('including duration abatements') that the annotations cannot express, but says nothing about assumption limits (e.g. that this covers secondary residences only, or what regime/rates are applied).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.