Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, non-destructive, and closed-world behavior. The description adds useful context beyond that by stating the quote is immutable and by clarifying the account authentication requirement, including that wallet sessions do not grant authority.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.