Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description adds substantial behavior beyond them: a $1,000 liquidity floor with the rationale for flagging, explicit error semantics (isError on invalid input or upstream failure, not charged), and a free-cost note. That is rich disclosure that the annotations alone would not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.