Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so safety is covered. The description adds genuinely useful behavioral context beyond that: the response shape varies by filing type, with Annual and PTR filings including normalized transactions while extensions do not.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.