Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false. The description adds context by explaining that committed/signed figures come from the securities pipeline stage, while wired figures come from the money-movement ledger, and it reiterates the read-only nature. This is useful behavioral context beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.