Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive, and openWorldHint=false, so the safety profile is covered. The description adds domain behavior beyond that: the calculation is country-custom driven, with concrete per-country rule examples, and it returns both a recommended tip and a total. It does not need to explain return shape further since an output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.