Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld, and non-destructive, so the safety profile is covered. The description adds genuinely non-obvious behavior: the tool checks 'live' postcode data (not just syntax) and has an explicit pricing/allowance model. It omits whether input is normalized or trimmed, but the pricing disclosure is real value beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.