Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and openWorldHint=false, so the description isn't required to explain safety. It adds genuinely new behavioral context beyond the annotations: the operation requires the user's MyGroceryPal account, and it distinguishes the primary result (cheapest single store) from the secondary heuristic (split across two or three stores only when cheaper or covers more of the list).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.