Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare a safe, idempotent, read-only computation, so the bar is lower, yet the description adds real behavior: the tier base rates, GPA/test-band adjustment, 1–99% clamping, the Safety/Target/Reach/High reach labeling, and the SAT-else-ACT fallback priority. It also imposes a notable output obligation (always surface calculator_url as a markdown link), which is genuinely useful behavioral context beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.