Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), but the description adds genuinely non-obvious behavior: sole traders and partnerships are counted rather than named, and being called to an inquiry is not a finding against the operator. Those are interpretive facts the schema and 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.