Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint. The description goes well beyond: a 200-row service cap, a truncated flag meaning items is not exhaustive, broughtInTotal as the authoritative denominator for reporting, and phone numbers masked to the last four digits. These are exactly the failure modes (partial results, wrong counts, redacted fields) that would otherwise cause an agent to misreport.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.