Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this a safe, read-only, idempotent calculation, so the bar is low. The description adds real value beyond them: the scoring formula, the fields returned (total and competitiveness band), and a non-obvious output-handling requirement to render calculator_url as a clickable markdown link.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.