Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safety profile (readOnly, idempotent, non-destructive, closed-world), so the description's added value is the semantics of 'changed': value, eligibility, and claim-step edits, plus closed offers, and the explicit America/New_York date basis. That timezone detail materially affects interpretation of the look-back window and is not derivable from the schema. Return ordering and pagination behavior remain undisclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.