Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent and non-destructive, so the bar is lower; the description still adds useful behavior beyond them, namely that output renders as an in-chat chart with a 'plan them' button, and that it uses the same numbers as weekly_report. 'Free and read only' mildly restates the annotations, and it does not mention data freshness or limits on the comparison window.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.