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 needs no restating. The description adds genuine value by disclosing the returned fields and the content nature ('Education only, not financial advice'), but says nothing about failure behavior for unknown slugs or body length.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.