Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only/idempotent/non-destructive, and the description adds real behavioral depth beyond them: the $1,000 liquidity floor, why dead-curve round-trip quotes are misleading, and that upstream failures return isError without being charged. That is exactly the kind of context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.