Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered without the description. The description does add genuine interpretive context the annotations cannot carry — that an entry is a licence/registration/approval, not proof of issuance, and that provider registers list companies rather than instruments. It does not mention pagination behaviour or data freshness, so it goes beyond annotations but not exhaustively.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.