Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered. The description adds valuable domain behavior: the +25%/+50% tiers and the 35h weekly threshold, plus the return shape. It does not disclose edge cases like rounding or partial hours, but for a pure calculator this is adequate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.