Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the safety profile is covered. The description adds useful behavioral context beyond annotations: it specifies that all monetary values are in pounds, documents three calculation modes, and references the source authority. No contradictions with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.