Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, non-destructive behavior, so the description is not required to repeat that. It adds valuable behavioral context beyond annotations: update frequency ('updated each business day'), no authentication requirement, commercial use permitted, and a direct source (fiscaldata.treasury.gov). This gives the agent confidence about freshness and licensing that structured data does not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.