Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish this is a safe, closed-world read (readOnlyHint=true, openWorldHint=false, destructiveHint=false), so the bar is lower. The description adds genuinely non-structural context: the subscription tier requirement and the fact that some checklist items are drafts askTender prepares for signature, which signals downstream actions the agent should be aware of.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.