Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the description earns credit for adding traits annotations cannot express: quotes are compact/summary-level, carry a spread, and go stale, requiring a get_market refresh before acting. That freshness caveat is genuinely useful and not derivable from 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.