Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds value the annotations cannot: it is the only source for what is returned (address, plan, allowance) since there is no output schema, plus a recommended call order. No auth or rate-limit detail is given.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.