Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, non-destructive semantics, so the description earns credit for the extra behavior it discloses: private accounts return private: true with trader_id null, public ones return standing, lifetime P&L, resets and recent_record, and picks=true expands the pick list. That privacy/null contract is the kind of thing an agent cannot derive from annotations and would otherwise mis-handle.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.