Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive), and the description adds real behavioral context: the $1,000 liquidity floor that flags 'dead' tokens, the reason round-trip quotes mislead on dead curves, and that errors return isError without charging. This goes well beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.