Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so safety is covered. The description adds genuinely new behavioral context beyond them: custom quotes, payments disabled, and no system access granted — useful constraints an agent would not otherwise know. It stops short of describing the result payload.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.