Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=false, so the safety profile is covered. The description adds genuine value by disclosing the key output side effect (yielding conversion_customer_id needed for writes) and the 'effective' customer scoping, but says nothing about pagination, limit behavior, or result shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.