Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, so the safety profile is covered. The description adds useful behavioral context beyond that: it specifies the outputs (yearly, monthly, weekly pay and fraction of full-time), the currency (GBP), and the tax treatment (gross before tax), which are all meaningful operational details.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.