Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and closed-world, so the safety profile is covered. The description adds genuinely non-obvious behavioral rules: how annual plans are normalized into MRR and that one-time fees are excluded, which prevents wrong calls. Return values are covered by the existing output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.