Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, non-destructive, open-world behavior, so the description's added value is the jurisdictional limit (England and Wales only), the temporal depth of the data (five years of income history), and an explicit 2-credit cost that lets an agent reason about budget. It does not disclose behavior for an unknown or non-existent charity number, but the operational context it does add is genuinely useful.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.