Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so the safety profile is covered; the description adds that this is a static informational answer and spells out the topics it covers (fees, minimum offer, transfer time). With no output schema, that content summary is the main behavioral disclosure an agent gets, and it is reasonably specific.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.