Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The readOnlyHint annotation already declares this is a safe read, so the bar is lower. The description adds the underlying endpoint (GET /businesses) which reinforces read-only semantics, but it says nothing about pagination behavior, ordering, or result-set size — context that would be genuinely useful for a listing call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.