Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations (readOnlyHint=false, idempotentHint=false, destructiveHint=false, openWorldHint=true) by disclosing the billing model (spends credits, charged per firm returned, capped at the quote), the zero-result cost ('No firms found costs nothing'), and the quote lifecycle (single-use, expires after 10 minutes). These are exactly the operational facts an agent needs before committing the user to spend.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.