Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/openWorld=false, so the description's job is to add context — and it does: it discloses the 8-match cap, what fields come back (MARN, agency profile URL), and critically that this is a static copy of the OMARA register rather than a live check, with a required user-facing caveat. That data-freshness disclosure is behavioral information the annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.