Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, and non-destructive behavior. The description adds critical context beyond that: it explains the two possible result shapes, cites the source-URL inclusion for qualitative notes, and explicitly promises not to fabricate dollar amounts. This strongly informs agent expectations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.