Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly=true, destructive=false, openWorld=false), and the description adds behavioral value beyond them: it states the tool does not auto-merge, caps comparison to the 1000 most recent records, and limits candidates to 100. These operational limits are genuinely useful context not present in the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.