Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and non-destructive behavior. The description adds value beyond this by disclosing output specifics (entity label, risk level, flags like 'new_account', 'dormant'), auto-detection of chain, and even the API cost (0.25 USDC). This enriches the behavioral model without contradicting the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.