Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, non-destructive, closed-world behavior, so the safety profile is covered. The description adds genuinely non-obvious behavioral semantics: hedges are drawdown-normalised, parent forwards are listed once at remaining notional, and child draws are excluded to match the dashboard hedge book — details an agent could not infer from annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.