Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/non-destructive/idempotent, so the description adds the higher-value context: it is free, it returns an UNSIGNED tx, nothing happens until the user signs and broadcasts, and the service never holds keys or funds. That is a meaningful disclosure beyond the annotations, though it omits whether the vault must already have weights set to be rebalanceable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.